TellerScore

Members Choice of Central Texas Federal Credit Union (NCUA charter #199) is based in Waco, Texas. Its Q2 2026 call report shows $212.9M in total assets and $181.8M in member shares and deposits and 2 offices.

Members Choice of Central Texas Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 50th. Capital cushion contributes the most (100/100, 16.26%); earnings contributes the least (47/100, 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.26%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.06%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity93/100
Loans ÷ shares: 66.9% · 4.8% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (86 → 88), mostly because the funding & liquidity component improved by 7 points.

TellerScore
838688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202483
Q4 202483
Q1 202584
Q2 202586
Q3 202587
Q4 202587
Q1 202688
Q2 202688
Net worth ratio
7.00%11.63%16.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.24%
Q3 202415.57%
Q4 202416.01%
Q1 202515.53%
Q2 202515.84%
Q3 202515.95%
Q4 202515.92%
Q1 202616.06%
Q2 202616.26%
Delinquent loans (60+ days)
0.04%0.08%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.04%
Q3 20240.09%
Q4 20240.11%
Q1 20250.05%
Q2 20250.09%
Q3 20250.05%
Q4 20250.06%
Q1 20260.05%
Q2 20260.06%
Return on assets
0.33%0.51%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.35%
Q4 20240.42%
Q1 20250.33%
Q2 20250.63%
Q3 20250.69%
Q4 20250.66%
Q1 20260.69%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$212.9M16.26%0.06%0.68%66.9%
Q1 202688$213.3M16.06%0.05%0.69%68.8%
Q4 202587$212.9M15.92%0.06%0.66%70.2%
Q3 202587$210.8M15.95%0.05%0.69%72.5%
Q2 202586$209.4M15.84%0.09%0.63%74.7%
Q1 202584$210.5M15.53%0.05%0.33%76.1%
Q4 202483$203.1M16.01%0.11%0.42%80.6%
Q3 202483$207.1M15.57%0.09%0.35%81.1%
Q2 202483$210.3M15.24%0.04%0.34%82.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.26%
91st
Problem loans0.06%
97th
Net charge-offs0.35%
51st
Return on assets0.68%
45th
Loans to deposits66.9%
67th
Uninsured deposits4.8%
62nd
Loan-loss reserves0.00%
50th
Texas ratio0.4%
96th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Beacon Federal Credit UnionCredit union La Porte, TX63 out of 100, Moderate$214.7M8.7%0.41%vs
Santa Fe Federal Credit UnionCredit union Amarillo, TX73 out of 100, Strong$214.8M12.9%0.48%vs
Access Community Credit UnionCredit union Amarillo, TX66 out of 100, Moderate$210.9M10.6%0.27%vs
H E B Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$218.2M18.3%0.19%vs
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
Harris County Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$223.3M22.9%1.62%vs

Deposit insurance

Is my money safe at Members Choice of Central Texas Federal Credit Union?

Yes. Members Choice of Central Texas Federal Credit Union is a federally insured credit union (NCUA charter #199). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.8% of shares and deposits ($8.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.26%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Members Choice of Central Texas Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Members Choice of Central Texas Federal Credit Union reported 55 home-loan applications under HMDA (LEI 254900PZMV3V09E3HO84): 32 originated ($5,900,000 total), 23 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Members Choice of Central Texas Federal Credit Union
Type
Federal credit union
NCUA charter #
199
RSSD ID
19570
Primary regulator
NCUA
Established
1935
Headquarters
Po Box 20248, Waco, TX 76702
Employees
52

Quick answers

Members Choice of Central Texas Federal Credit Union: common questions

Is Members Choice of Central Texas Federal Credit Union NCUA insured?

Yes. Members Choice of Central Texas Federal Credit Union is a federally insured credit union (NCUA charter #199). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Members Choice of Central Texas Federal Credit Union's TellerScore?

88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Members Choice of Central Texas Federal Credit Union have?

2 offices as of the latest NCUA data.