Credit union · NCUA insured
Members Financial Federal Credit Union
A $35.7M credit union headquartered in Midland, TX, with 3,301 members and 1 branch in Texas. Best rates: CDs 4.08% and savings 1.15% APY.
Members Financial Federal Credit Union Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#10 of 17 in Midland, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Financial Federal Credit Union
Members Financial Federal Credit Union was federally chartered in 1940 to serve Shell Oil Company employees in the Permian Basin.
Headquartered in Midland, Texas, the credit union acquired Sid Richardson CU in 2008.
- Headquarters
- 3100 Sunburst Dr, Midland, TX 79707
- NCUA charter
- 4020
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Midland County or Ector County.
Branches
1 branch in Texas
Loading map…
Texas
1 branch
- Main BranchMain office3100 Sunburst Dr, Midland, TX 79707Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.77% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.16% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.02% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $59 | $59 | — |
- CapitalNet worth ratio8.77%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.16%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.02%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$59Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Members Financial Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.