Waco, Texas · Peer group 3
McLennan County Employees Credit Union
McLennan County Employees Credit Union holds $20.7M in assets across 1,340 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1955. Charter number 10461, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $20.7M |
|---|---|
| Total loans | $6.9M |
| Total shares (deposits) | $15.1M |
| Net worth | $5.5M |
| Members | 1,340 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -2.6% | |
|---|---|---|
| Loans | 14.7% | higher than 96% of its peer group |
| Deposits | -3.4% | around the 21st percentile of its peer group |
| Members | -0.1% | around the 66th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 45.9% | around the 29th percentile of its peer group |
|---|---|---|
| Net worth ratio | 26.6% | higher than 96% of its peer group |
| Return on assets | 0.13% | around the 23rd percentile of its peer group |
| Delinquency ratio | 0.10% | around the 21st percentile of its peer group |
| Cash / assets | 12.2% | around the 56th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is McLennan County Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Lcra Credit Union
Austin, TX
$20.7M · 2,115 members
- Corner Stone Credit Union
lancaster, TX
$20.6M · 3,333 members
- Waco Credit Union
WACO, TX
$20.2M · 1,947 members
- Odessa Employees Credit Union
Odessa, TX
$21.1M · 1,381 members
- Port Arthur Community Credit Union
Port Arthur, TX
$20.2M · 2,355 members
- Temple-Inland Credit Union
Diboll, TX
$20.2M · 1,700 members
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