State credit union · Houston, Texas · NCUA charter #67508
Members Choice
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $725.4M
- Total assets
- 46,480
- Members
- 8.3%
- Net-worth ratio
Members Choice scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $725.4M; members 46,480; net-worth ratio 8.32%; health rank #3,367 of 4,374; healthier than 23rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,367 of 4,374 health · 2025Q4Members Choice · health 74/100 · $725.4M · 2025Q4
Call Report peers
Members Choice in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Members Choice vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Members Choice sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Members Choice vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +15.39 pp (99.29% vs 83.90%).
- Net Worth Ratio trails the peer set - 8.32% here, 11.18% peer average (-2.86 pp).
Where Members Choice sits in Texas
- Health composite ranks #294 of 386 among scored Texas credit unions.
- By total assets, Members Choice is #50 of 386 in Texas.
- Membership ranks #52 of 386 among Texas CUs with a reported count (46,480 members).
- One place up in Texas, Texarkana Terminal Employees (#293) ties at 74/100; one place down, PLAINS (#295) scores 73/100, 1 point lower.
How Members Choice's 5300 filing moved
Members Choice: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $725.4M (2025Q4) to $728.0M (2026Q1).
- Net-worth ratio shifted +0.02 pp (8.30% → 8.32%).
At 8.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Members Choice gives up 26 points in total. Member Growth costs the most, 8.2 of its 15; Loan-to-Share Ratio loses the least, 4.2.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 20.2 pts
- Return on Assets 10.6 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 10.6 pts
Call Report ratios for Members Choice
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.32% | -2.86 pp |
| Delinquency Rate | 0.98% | +0.11 pp |
| Return on Assets | 0.21% | -0.30 pp |
| Member Growth | -1.21% | - |
| Loan-to-Share Ratio | 99.29% | +15.39 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Members Choice quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $728.0M | - |
| 2025Q4 | $725.4M | 46,480 |
| 2024Q4 | $766.6M | 47,049 |
| 2023Q4 | $754.9M | 47,542 |
Credit Union Details
- Charter Number
- 67508
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (9)
Members Choice operates 9 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Houston, TX |
| Disaster Recovery | Austin, TX |
| Conoco | Houston, TX |
| Cy-Fair | Houston, TX |
| Phillips66 | Houston, TX |
| Fry Road | Katy, TX |
| Grand Parkway | Katy, TX |
| Seven Meadows | Katy, TX |
| Lake Jackson | Lake Jackson, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for Members Choice
Using this data
- Members Choice ranks #3,367 of 4,374 nationally on financial health and #294 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PRIMEWAY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PRIMEWAY
Frequently Asked Questions
Is Members Choice financially healthy?
On its 2025Q4 NCUA 5300 filing, Members Choice scores 74/100 (Very Good), with a 8.32% net worth ratio and 0.98% of loans delinquent. It ranks #3,367 of 4,374 nationally on health and #294 of 386 in Texas.
How does Members Choice compare to other credit unions?
Members Choice scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (99.29% vs 83.90%). Its widest shortfall is net worth ratio (8.32% vs 11.18%).
How can I join Members Choice?
Membership eligibility for Members Choice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members Choice directly for current membership requirements and application steps.
Is my money safe at Members Choice?
Members Choice is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Members Choice's net worth ratio of 8.32% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.