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Overview / Commentary
3808 HIGHWAY 377 S
BROWNWOOD, TX 76801-5120

Mid-Tex Federal Credit Union is headquartered in BROWNWOOD and is the 251st largest credit union in the state of Texas. It is also the 3,271st largest credit union in the nation. It was established in 1961 and as of December of 2016, it had grown to 11 employees and 3,617 members at 1 location. Mid-Tex Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Brown County, Texas.
See current membership details

Reviews (1)

Review of MTFCU

Posted by: Naguleaz | Jul 7, 2015

For savings accounts, you need a minimum of $25 to keep it open and going. They do not have a mobile app which is disappointing. They do offer online banking. Their electronic deposits are slower than the national banks, so I don't get paid as quickly as my co-workers. You can set up electronic deposits easily. When getting your ATM card for the first time, it does take a week to ten days. They do not make them there. The fees for checking is very reasonable at only three dollars a month with no minimum balance so you can wipe out all of your money paying bills and they won't charge a fee for a low balance. I never have to wait when I go in. I had to change my name last month and they took care of me quickly without a wait. I do not know about the CD rates because I have never asked about or gotten one with them. They do pay for a $2000 life insurance policy for their members, so that is another good thing about them.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Mid-Tex Federal Credit Union has a low asset base.

Health Grade Components

NCUA #24454
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD5.41%
Annual Interest Income$873.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$22.9MM$21.7MM
LoansQ4 2016vs Q4 2015$13.7MM$13.2MM
DepositsQ4 2016vs Q4 2015$21.0MM$19.5MM
Equity CapitalQ4 2016vs Q4 2015$1.7MM$1.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$65.00K$47.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$256.00K$146.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Mid-Tex Federal Credit Union CD Rates

0.70%$500-48 Month CD
0.55%$500-36 Month CD
0.50%$500-24 Month CD
0.40%$500-18 Month CD
0.35%$500-12 Month CD

Mid-Tex Federal Credit Union Locations
Branch Office3808 HIGHWAY 377 SBROWNWOOD, TX 76801-5120