TellerScore

Members Credit Union (NCUA charter #67649) is based in Cleburne, Texas. Its Q2 2026 call report shows $117.5M in total assets and $105.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Members Credit Union scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 177th. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 11% uninsured), and its lowest is earnings (58/100; 0.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.27%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity100/100
Loans ÷ shares: 54.7% · 11.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.99%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 74).

TellerScore
717375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202475
Q4 202472
Q1 202574
Q2 202574
Q3 202575
Q4 202572
Q1 202671
Q2 202674
Net worth ratio
7.00%9.23%11.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.08%
Q3 202411.46%
Q4 202411.15%
Q1 202510.98%
Q2 202511.06%
Q3 202511.19%
Q4 202511.24%
Q1 202611.01%
Q2 202611.27%
Delinquent loans (60+ days)
0.59%0.77%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.66%
Q3 20240.59%
Q4 20240.88%
Q1 20250.61%
Q2 20250.69%
Q3 20250.65%
Q4 20250.96%
Q1 20260.83%
Q2 20260.68%
Return on assets
0.85%0.97%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.08%
Q3 20241.08%
Q4 20241.03%
Q1 20250.90%
Q2 20250.97%
Q3 20251.01%
Q4 20251.04%
Q1 20260.85%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$117.5M11.27%0.68%0.95%54.7%
Q1 202671$117.4M11.01%0.83%0.85%49.5%
Q4 202572$112.8M11.24%0.96%1.04%54.9%
Q3 202575$110.4M11.19%0.65%1.01%58.4%
Q2 202574$108.8M11.06%0.69%0.97%59.7%
Q1 202574$107.0M10.98%0.61%0.90%58.5%
Q4 202472$103.2M11.15%0.88%1.03%65.5%
Q3 202475$98.0M11.46%0.59%1.08%67.1%
Q2 202474$99.1M11.08%0.66%1.08%67.2%

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 ratio11.27%
48th
Problem loans0.68%
50th
Net charge-offs0.50%
35th
Return on assets0.95%
63rd
Loans to deposits54.7%
86th
Uninsured deposits11.1%
13th
Loan-loss reserves0.00%
50th
Texas ratio3.0%
61st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Prestige Community Credit UnionCredit union Dallas, TX58 out of 100, Moderate$118.8M8.9%0.81%vs
Centex Citizens Credit UnionCredit union Mexia, TX89 out of 100, Very strong$118.9M17.2%0.44%vs
Valley Federal Credit UnionCredit union Brownsville, TX73 out of 100, Strong$119.1M12.6%0.46%vs
Wichita Falls Teachers Federal Credit UnionCredit union Wichita Falls, TX82 out of 100, Strong$115.6M12.4%0.31%vs
Southwest 66 Credit UnionCredit union Odessa, TX68 out of 100, Moderate$112.2M11.2%0.57%vs
Tarrant County'S Credit UnionCredit union Fort Worth, TX53 out of 100, Below average$123.7M9.6%0.80%vs

Deposit insurance

Is my money safe at Members Credit Union?

Yes. Members Credit Union is a federally insured credit union (NCUA charter #67649). 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 11.1% of shares and deposits ($11.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.27%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Members Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67649
RSSD ID
966393
Primary regulator
State + NCUA
Established
1954
Headquarters
833 N Nolan River Rd, Cleburne, TX 76033
Employees
22

Quick answers

Members Credit Union: common questions

Is Members Credit Union NCUA insured?

Yes. Members Credit Union is a federally insured credit union (NCUA charter #67649). 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 Credit Union's TellerScore?

74 out of 100 (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 Credit Union have?

1 office as of the latest NCUA data.