Federal credit union · WACO, Texas · NCUA charter #199
Members Choice of Central Texas
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $212.9M
- Total assets
- 18,347
- Members
- 16.1%
- Net-worth ratio
Members Choice of Central Texas scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $212.9M; members 18,347; net-worth ratio 16.06%; health rank #1,918 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,918 of 4,374 health · 2025Q4Members Choice · health 85/100 · $212.9M · 2025Q4
- MEM 85/100
- RANK 16.1%
- PHOTO 0.06%
- BOOK 0.40%
- CHARTER $212.9M
- NCUSIF 18,347
- CAMELS #1,918/4,374
- HEALTH HOMETOWN
- NW 199
Call Report peers
Members Choice of Central Texas in the assets neighbourhood
Members Choice of Central Texas's $212.9M assets sit next to HOMETOWN ($212.9M) 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 of Central Texas 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
85 Top 46% higher than 54% 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 of Central Texas - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #199. See our deposit-insurance coverage note.
Members Choice of Central Texas vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 16.06% vs peer 12.11% (+3.95 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.02 pp (70.18% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Members Choice of Central Texas sits in Texas
- Texas health ordinal: #175 of 386.
- Texas assets place: #104 of 386.
- Member book place in Texas: #90 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Members Choice of Central Texas: 2025Q4 → 2026Q1
Members Choice of Central Texas: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $212.9M (2025Q4) to $213.3M (2026Q1).
- Net-worth ratio shifted +0.14 pp (15.92% → 16.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.4 pts
- Member Growth 1.3 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.06% | +3.95 pp |
| Delinquency Rate | 0.06% | -0.83 pp |
| Return on Assets | 0.40% | -0.23 pp |
| Member Growth | -4.29% | - |
| Loan-to-Share Ratio | 70.18% | -2.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $213.3M | - |
| 2025Q4 | $212.9M | 18,347 |
| 2024Q4 | $203.1M | 19,169 |
| 2023Q4 | $212.9M | 19,935 |
Credit Union Details
- Charter Number
- 199
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- WACO
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Members Choice of Central Texas runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Waco, TX |
| Marlin Branch | Marlin, TX |
| Northside Branch | Waco, 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.
Members Choice of Central Texas nationwide neighbourhoods
Cross-state asset and health neighbours for Members Choice of Central Texas - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($212.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Members Choice of Central Texas ranks #1,918 of 4,374 nationally on financial health and #175 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CITIZENS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CITIZENS
- 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 of Central Texas financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Members Choice of Central Texas carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,918 of 4,374; by total assets it ranks #1,238 of 4,374 nationally (same basis as /rankings/largest); and #104 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.06% net worth ratio and a 0.06% delinquency rate.
How does Members Choice of Central Texas compare to other credit unions?
Five weighted metrics from NCUA filings produce Members Choice of Central Texas's 85/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 of Central Texas?
Members Choice of Central Texas operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Members Choice of Central Texas directly for the exact boundaries and application steps.
Is my money safe at Members Choice of Central Texas?
Federal credit unions like Members Choice of Central Texas 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 of Central Texas's net worth ratio of 16.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members Choice of Central Texas offer compared to banks?
Credit unions like Members Choice of Central Texas 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 of Central Texas 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.