Members Choice of Central Texas
Waco, TX · Charter 199 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
$212.9MAssets
$121.6MLoans
$181.8MShares
$34.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 87% of credit unions under $1B in assets in TX (rank 31 of 235).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets in TX (rank 196 of 235).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.68%
Rank 107 of 235
Net Interest Margin
3.19%
Rank 196 of 235
Efficiency Ratio
82.02%
Rank 119 of 235
Equity / Assets
16.26%
Rank 87 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.17% | 0.57% | 1.10% | Beats 54% | 107 / 235 | |
| Return on Equity | 4.17% | 1.03% | 4.30% | 7.58% | Beats 48% | 122 / 235 | |
| Net Interest Margin | 3.19% | 3.32% | 3.89% | 4.35% | Beats 17% | 196 / 235 | |
| Efficiency Ratio | 82.02% | 70.60% | 82.00% | 91.57% | Beats 50% | 119 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.20% | 0.59% | 1.14% | Beats 87% | 31 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.26% | 11.30% | 14.41% | 19.49% | Beats 63% | 87 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.26% | 11.30% | 14.41% | 19.49% | Beats 63% | 87 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 66.90% | 54.18% | 67.38% | 81.66% | 49th pctl | 121 / 235 | |
| Loans / Assets | 57.12% | 43.80% | 56.63% | 68.64% | 50th pctl | 117 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |