Side-by-side · Q2 2026 data
Members Choice of Central Texas Federal Credit Union vs Citizens Federal Credit Union
Credit union
Members Choice of Central Texas Federal Credit Union
Waco, Texas · $100 million – $1 billion
Metric by metric
| Measure | Members Choice of Central Texas Federal Credit Union | Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 88 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 96 |
| Loan quality | 98 (stronger) | 96 |
| Earnings | 47 | 87 (stronger) |
| Funding & liquidity | 93 (stronger) | 66 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 92nd | 95th |
| Total assets | $212.9M | $201.9M |
| Deposits / shares | $181.8M | $173.8M |
| Capital ratio | 16.26% (stronger) | 14.60% |
| Problem loans | 0.06% (stronger) | 0.13% |
| Net charge-offs | 0.35% (stronger) | 0.39% |
| Return on assets | 0.68% | 1.68% (stronger) |
| Loans ÷ deposits | 66.9% (stronger) | 77.2% |
| Uninsured deposits | 4.8% (stronger) | 30.3% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.8% | — |
Citizens Federal Credit Union has the higher TellerScore (90 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Members Choice of Central Texas Federal Credit Union leads on 5 and Citizens Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.