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
Call Report peers
Members Choice of Central Texas 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 of Central Texas vs every NCUA-scored credit union
Members Choice of Central Texas sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Texas, ASPIRE (#174) ties at 85/100; one place down, PECU (#176) ties at 85/100.
Members Choice of Central Texas: 2025Q4 → 2026Q1
Members Choice of Central Texas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $212.9M (2025Q4) to $213.3M (2026Q1).
- Net-worth ratio shifted +0.14 pp (15.92% → 16.06%).
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
Members Choice of Central Texas gives up 15 points in total. Member Growth costs the most, 13.7 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Members Choice of Central Texas financially healthy?
On its 2025Q4 NCUA 5300 filing, Members Choice of Central Texas scores 85/100 (Excellent), with a 16.06% net worth ratio and 0.06% of loans delinquent. It ranks #1,918 of 4,374 nationally on health and #175 of 386 in Texas.
How does Members Choice of Central Texas compare to other credit unions?
Members Choice of Central Texas scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.06% vs 12.11%). Its widest shortfall is loan-to-share ratio (70.18% vs 72.20%).
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?
Members Choice of Central Texas is a federal 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 of Central Texas's net worth ratio of 16.06% 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.