MTCU
State-Chartered • Midland, Texas • Est. 1955
Quick Facts
- Charter Number
- #67642
- Type
- State-Chartered
- Established
- 1955
- Headquarters
- Midland, Texas 79708
- Address
- PO Box 7309
- Branches
- 3
- ATMs
- 3
- Members
- 7,251
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
7,251 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MTCU |
|---|---|
| Total Assets | $134.8M |
| Members | 7,251 |
| Loans Outstanding | $85.4M |
| Shares & Deposits | $119.2M |
| Net Worth | $17.0M |
| Net Worth Ratio | 12.60% |
| Loan-to-Share Ratio | 71.7% |
| Delinquency Rate | 0.32% |
| Net Income | +$1,224,003 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
MTCU
Main Office1505 N Midland Dr
Midland, TX 79703
MTCU Midkiff Branch
4717 N Midkiff Rd
Midland, TX 79705-2565
MTCU Big Spring Street Branch
3100 N Big Spring St
Midland, TX 79705-5313
Who Can Join MTCU?
Membership Type: Community
Membership eligibility for MTCU may vary. Contact the credit union directly to confirm qualification requirements.
Contact MTCU directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. MTCU is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MTCU has 7,251 members and a potential membership field of 437,915 people.
MTCU's net worth ratio is 12.60% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.6%, MTCU meets this threshold.
MTCU operates 3 branch locations and has access to 3 ATMs. The main office is located at 1505 N Midland Dr, Midland, TX 79703.
MTCU was established in 1955. It is a state-chartered credit union chartered under charter number 67642. The institution has been serving members for 71 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MTCU. All financial data is for informational purposes only.