Credit union · NCUA insured
MTCU
A $136.2M credit union headquartered in Midland, TX, with 7,306 members and 3 branches in Texas. Best rates: CDs 2.38% and savings 0.73% APY.
MTCU Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#8 of 17 in Midland, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MTCU
MTCU is a credit union based in Midland, Texas, serving members across Midland, Martin, Glasscock, Andrews, Crane, Ector, Howard, Winkler, Ward, Reagan, and Upton counties.
- Headquarters
- 1505 N Midland Dr, Midland, TX 79703
- NCUA charter
- 67642
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, attend school, or do business with other legal entities in the Texas counties of Midland, Martin, Glasscock, Andrews, Crane, Ector, Howard, Winkler, Ward, Reagan, or Upton are eligible to join MTCU.
Cost to join
- Joining MTCU requires a minimum deposit of $25 into a savings account.
Branches
3 branches in Texas
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Texas
3 branches
- MtcuMain office1505 N Midland Dr, Midland, TX 79703Directions
- MTCU Big Spring Street Branch3100 N Big Spring St, Midland, TX 79705Directions
- MTCU Midkiff Branch4717 N Midkiff Rd, Midland, TX 79705Directions
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 | 12.47% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.80% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.19% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $72 | $76 | — |
- CapitalNet worth ratio12.47%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.80%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.19%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$72Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 MTCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.