Credit union · NCUA insured
My Community Credit Union
A $559.3M credit union headquartered in Midland, TX, with 43,979 members and 6 branches in Texas. Best rates: savings 0.15% APY.
My Community Credit Union Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#13 of 17 in Midland, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About My Community Credit Union
My Community Credit Union is a member-owned cooperative financial institution founded in 1952 by Atlantic Refining Company co-workers to finance a home purchase.
After multiple mergers and name changes, the credit union converted to a Texas state charter in 2017.
Headquartered in Midland, Texas, it serves Collin, Ector, and Midland Counties.
- Headquarters
- 600 W Louisiana Ave, Midland, TX 79701-1610
- NCUA charter
- 68682
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in Collin, Ector, or Midland County is eligible for membership.
Family and household
- Immediate family members of anyone who lives, works, worships, or attends school in Collin, Ector, or Midland County are eligible for membership.
Cost to join
- Joining requires depositing $5 into a savings account.
Branches
6 branches in Texas
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Texas
6 branches
Midland area · 4
- Main OfficeMain office600 W Louisiana Ave, Midland, TX 79701Directions
- Big Spring St4001 N Big Spring St, Midland, TX 79705Directions
- HEB Grocery Store Branch5407 Andrews Hwy, Midland, TX 79706Directions
- Midkiff912 N Midkiff Rd, Midland, TX 79701Directions
Dallas area · 1
- Allen Branch721 Central Expy S, Allen, TX 75013Directions
Odessa area · 1
- Odessa 42nd Street4037 E 42nd St, Odessa, TX 79762Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.29% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.24% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.28% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio10.29%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.24%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.28%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ 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 My Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.