Sep, 30, 2025 — MY COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in MIDLAND, TX with 7 branch locations and about $538.10 million in total assets. Opened 74 years ago in 1952, MY COMMUNITY CREDIT UNION has about 42,472 members and employs 124 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MY COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 600 W Louisiana Ave MIDLAND, TX 79701-1610 |
| Phone: | (432) 688-8400 |
| Fax: | |
| Website: | https://www.mccu.coop |
| Branches: | 7 branch locations |
| Members: | 42,472 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68682 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1952 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $538,098,789 |
| CEO/Manager: | Donna Neal |
| Chairperson: | Teresa DeShaw |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 65,601,294 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 126,093,897 |
| Unsecured Loans | 33,358,091 |
| Other Loans | 270,404,926 |
| TOTAL LOANS | 429,856,914 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -5,284,001 |
| Land And Building | 13,377,995 |
| Other Fixed Assets | 1,396,278 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 4,267,236 |
| All Other Assets | 0 |
| TOTAL ASSETS | 538,098,789 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1,663 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 6,978,481 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 119,679,457 |
| Regular shares | 185,166,002 |
| All Other Shares & Deposits | 171,684,197 |
| TOTAL SHARES & DEPOSITS | 476,529,657 |
| TOTAL LIABILITIES | 483,509,801 |
| Regular Reserve | 0 |
| Other Reserves | -1,210,028 |
| Undivided Earnings | 55,799,016 |
| TOTAL EQUITY | 54,588,988 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 538,098,789 |
| INCOME & EXPENSE | |
| Loan Income | 23,376,991 |
| Investment Income | 1,818,355 |
| Other Income | 7,773,949 |
| Total Employee Compensation & Benefits | 8,141,182 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 15,097,846 |
| Non-operating Income & (Expense) | 295,493 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,290,757 |
| Cost of Funds | 4,629,958 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,316,572 |
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