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
- NW 74/100
- DELQ 8.3%
- ROA 0.98%
- ASSETS 0.21%
- MEM $725.4M
- RANK 46,480
- PHOTO #3,367/4,374
- BOOK CORDA
- CHARTER 67508
Call Report peers
Members Choice in the assets neighbourhood
Members Choice's $725.4M assets sit next to CORDA ($726.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67508: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Members Choice's 5300 filing moved
Members Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $725.4M (2025Q4) to $728.0M (2026Q1).
- Net-worth ratio shifted +0.02 pp (8.30% → 8.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for Members Choice, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($725.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Members Choice financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Members Choice carries a financial health score of 74/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,367 of 4,374; by total assets it ranks #597 of 4,374 nationally (same basis as /rankings/largest); and #50 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.32% net worth ratio and a 0.98% delinquency rate.
How does Members Choice compare to other credit unions?
PlainCU's health composite puts Members Choice at 74/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Members Choice are 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."
What rates does Members Choice offer compared to banks?
Credit unions like Members Choice are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Members Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.