MEMBERS CHOICE OF CENTRAL TEXAS
Charter #199 · WACO, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.06% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.08% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.05% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 74th — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MEMBERS CHOICE OF CENTRAL TEXAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $213.35M | 55th pct | 56th pct |
| Members | 18,295 | 71th pct | 70th pct |
| Net worth ratio | 16.06% | 89th pct | 79th pct |
| Return on average assets | 0.69% | 49th pct | 36th pct |
| Net interest margin | 3.08% | 18th pct | 5th pct |
| Cost of funds | 1.34% | 57th pct | 74th pct |
| Loan-to-share | 68.79% | 44th pct | 54th pct |
| Delinquency 60+ days | 0.05% | 3th pct | 3th pct |
| Net charge-off ratio | 0.26% | 38th pct | 46th pct |
| Loan growth YoY | -4.14% | 10th pct | 8th pct |
| Share growth YoY | 1.10% | 18th pct | 16th pct |
| Efficiency ratio | 81.30% | 60th pct | 70th pct |
structural peer set hash: a403aa2c9fec33d056a1d78abd81cc20… (reproducible)
Closest structural peers
This is the free public view
Claim MEMBERS CHOICE OF CENTRAL TEXAS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.