Waco, Texas · Peer group 5
Members Choice of Central Texas Credit Union
Members Choice of Central Texas Credit Union holds $213.3M in assets across 18,295 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1935. Charter number 199, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $213.3M |
|---|---|
| Total loans | $125.4M |
| Total shares (deposits) | $182.3M |
| Net worth | $34.3M |
| Members | 18,295 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.4% | |
|---|---|---|
| Loans | -9.6% | lower than 97% of its peer group |
| Deposits | 0.1% | around the 21st percentile of its peer group |
| Members | -3.8% | around the 16th 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 | 68.8% | around the 44th percentile of its peer group |
|---|---|---|
| Net worth ratio | 16.1% | around the 89th percentile of its peer group |
| Return on assets | 0.69% | around the 49th percentile of its peer group |
| Delinquency ratio | 0.05% | lower than 97% of its peer group |
| Cash / assets | 16.3% | around the 84th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Members Choice of Central Texas 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.
- Beacon Credit Union
La Porte, TX
$209.1M · 14,204 members
- H E B Credit Union
San Antonio, TX
$218.1M · 12,144 members
- Access Community Credit Union
Amarillo, TX
$206.5M · 13,435 members
- Membersource Credit Union
Houston, TX
$205.4M · 14,907 members
- Texasgulf Credit Union
Wharton, TX
$221.5M · 14,934 members
- Citizens Credit Union
Big Spring, TX
$205.0M · 10,679 members
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