MEMBERS CHOICE
Charter #67508 · Houston, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.32% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 0.17% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.99% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.88% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 28th — a 26-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $727.98M | 54th pct | 28th pct |
| Members | 46,947 | 66th pct | 41th pct |
| Net worth ratio | 8.32% | 9th pct | 13th pct |
| Return on average assets | 0.17% | 13th pct | 18th pct |
| Net interest margin | 3.99% | 83th pct | 85th pct |
| Cost of funds | 1.97% | 80th pct | 61th pct |
| Loan-to-share | 95.05% | 91th pct | 72th pct |
| Delinquency 60+ days | 0.67% | 59th pct | 49th pct |
| Net charge-off ratio | 0.88% | 84th pct | 84th pct |
| Loan growth YoY | 0.62% | 48th pct | 42th pct |
| Share growth YoY | 5.33% | 74th pct | 85th pct |
| Efficiency ratio | 82.91% | 72th pct | 62th pct |
structural peer set hash: 7e3e044ae15adb8575ccd96bc21fd18e… (reproducible)
Closest structural peers
This is the free public view
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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.