Credit union · NCUA insured
Mid-Tex Federal Credit Union
A $36.9M credit union headquartered in Brownwood, TX, with 3,197 members and 1 branch in Texas. Best rates: CDs 3.19% APY.
Mid-Tex Federal Credit Union Carrot Score
74
Carrot Score
Higher than 38% of U.S. banks and credit unions
#2 of 2 in Brownwood, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mid-Tex Federal Credit Union
Founded in 1961 in Brownwood, Texas, Mid-Tex Federal Credit Union was organized by Brown County school district employees to provide a place to save and borrow at reasonable rates.
The institution obtained a federal charter and adopted its current name in 1992, operating as a member-owned, non-profit financial cooperative.
In 2023, membership eligibility expanded to include individuals living or working in Brown, Comanche, Mills, San Saba, McCulloch, Coleman, Callahan, and Eastland counties.
- Headquarters
- 3808 Highway 377 S, Brownwood, TX 76801-5120
- NCUA charter
- 24454
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This may be incomplete or out of date, so check with the credit union before you apply.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 any persons living or working in Brown, Comanche, Mills, San Saba, McCulloch, Coleman, Callahan and Eastland Counties.
Family and household
- Families of members are eligible to join, save, and borrow money.
Branches
1 branch in Texas
Loading map…
Texas
1 branch
- MainMain office3808 US-377 S, Brownwood, TX 76801Directions
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 | 9.20% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.90% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.89% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $63 | $59 | — |
- CapitalNet worth ratio9.20%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.90%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.89%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$63Peers’ 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 Mid-Tex 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.