State credit union · Houston, Texas · NCUA charter #68440
MEMBERSOURCE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $200.6M
- Total assets
- 14,700
- Members
- 11.8%
- Net-worth ratio
MEMBERSOURCE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $200.6M; members 14,700; net-worth ratio 11.84%; health rank #1,657 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,657 of 4,374 health · 2025Q4MEMBERSOURCE · health 87/100 · $200.6M · 2025Q4
Call Report peers
MEMBERSOURCE in the assets neighbourhood
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MEMBERSOURCE vs every NCUA-scored credit union
MEMBERSOURCE sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
MEMBERSOURCE: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 80.01% here, 72.20% peer average (+7.81 pp).
- Return on Assets trails the peer set - -0.16% here, 0.62% peer average (-0.79 pp).
Texas standing for MEMBERSOURCE
- Health composite ranks #152 of 386 among scored Texas credit unions.
- Assets rank #107 of 386 inside Texas ($200.6M reported).
- Texas membership ordinal: #99 of 386.
- One place up in Texas, CHEMCEL (#151) ties at 87/100; one place down, CY-FAIR (#153) ties at 87/100.
MEMBERSOURCE: 2025Q4 → 2026Q1
MEMBERSOURCE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $200.6M (2025Q4) to $205.4M (2026Q1).
- Net-worth ratio shifted -0.29 pp (12.13% → 11.84%).
11.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
MEMBERSOURCE gives up 13 points in total. Return on Assets costs the most, 12 of its 15; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 3.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
MEMBERSOURCE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.84% | -0.27 pp |
| Delinquency Rate | 0.56% | -0.33 pp |
| Return on Assets | -0.16% | -0.79 pp |
| Member Growth | 10.43% | - |
| Loan-to-Share Ratio | 80.01% | +7.81 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $205.4M | - |
| 2025Q4 | $200.6M | 14,700 |
| 2024Q4 | $180.1M | 13,312 |
| 2023Q4 | $196.2M | 15,223 |
Credit Union Details
- Charter Number
- 68440
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (5)
MEMBERSOURCE operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Westchase (Main Office) | Houston, TX |
| 290 Office | Houston, TX |
| Williams Tower | Houston, TX |
| Sugar Land | Sugar Land, TX |
| Anadarko | The Woodlands, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
MEMBERSOURCE nationwide neighbourhoods
Using this data
- MEMBERSOURCE ranks #1,657 of 4,374 nationally on financial health and #152 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Access Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Access Community
Frequently Asked Questions
Is MEMBERSOURCE financially healthy?
MEMBERSOURCE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,657 of 4,374 nationally on health and #152 of 386 in Texas. Its net worth ratio is 11.84% and its delinquency rate 0.56%.
How does MEMBERSOURCE compare to other credit unions?
MEMBERSOURCE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.01% vs 72.20%). Its widest shortfall is return on assets (-0.16% vs 0.62%).
How can I join MEMBERSOURCE?
Membership eligibility for MEMBERSOURCE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MEMBERSOURCE directly for current membership requirements and application steps.
Is my money safe at MEMBERSOURCE?
MEMBERSOURCE 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. MEMBERSOURCE's net worth ratio of 11.84% 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.