credit union · NCUA 199 · TX
How big is MEMBERS CHOICE OF CENTRAL TEXAS?
MEMBERS CHOICE OF CENTRAL TEXAS (TX, NCUA charter 199) reported total assets of $212.9M, 18,057 members and a net worth ratio of 16.26% in its Call Report for 2026Q2. That ranks 1245 of 4,299 federally insured credit unions by assets, 486 of 1,061 among credit unions with $100m-$500m in assets, 102 of 380 credit unions in texas.
What stands out
MEMBERS CHOICE OF CENTRAL TEXAS (TX, NCUA charter 199) reported total assets of $212.9M, 18,057 members and a net worth ratio of 16.26% in its Call Report for 2026Q2. That ranks 1245 of 4,299 federally insured credit unions by assets, 486 of 1,061 among credit unions with $100m-$500m in assets, 102 of 380 credit unions in texas. Against its size class: net worth ratio 16.26%, above the peer median of 11.65%; loan-to-share ratio 66.90%, below the peer median of 73.15%; return on assets 0.68%, below the peer median of 0.74%. At 16.26% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $212.9M | $198.1M | $49.9M | $68.3M | record → |
| Shares and deposits | $181.8M | $172.3M | $40.8M | $58.3M | record → |
| Loans outstanding | $121.6M | $125.2M | $24.4M | $34.4M | record → |
| Net income (year to date) | $720.8k | $766.3k | $141.6k | $222.2k | record → |
| Net worth | $34.6M | $24.5M | $7.4M | $9.0M | record → |
| Net worth ratio | 16.26% | 11.65% | 13.62% | 12.65% | record → |
| Loan-to-share ratio | 66.90% | 73.15% | 70.24% | 68.70% | computed |
| Return on assets | 0.68% | 0.74% | 0.59% | 0.71% | computed |
| Members | 18,057 | 13,230 | 4,156 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $212.9M | $181.8M | $121.6M | $720.8k | 16.26% | 18,057 | 1245 |
| 2026Q1 | $213.3M | $182.3M | $125.4M | $367.4k | 16.06% | 18,295 | 1242 |
| 2025Q4 | $212.9M | $181.9M | $127.7M | $1.4M | 15.92% | 18,347 | 1238 |
| 2025Q3 | $210.8M | $180.3M | $130.8M | $1.1M | 15.95% | 18,562 | 1244 |
| 2025Q2 | $209.4M | $180.7M | $134.9M | $657.5k | 15.84% | 18,728 | 1251 |
| 2025Q1 | $210.5M | $182.1M | $138.7M | $172.8k | 15.53% | 19,025 | 1245 |
| 2024Q4 | $203.1M | $175.7M | $141.6M | $843.9k | 16.01% | 19,169 | 1254 |
| 2024Q3 | $207.1M | $178.5M | $144.7M | $547.7k | 15.57% | 19,341 | 1235 |
| 2024Q2 | $210.3M | $182.0M | $149.3M | $355.9k | 15.24% | 19,527 | 1230 |
| 2024Q1 | $212.0M | $185.0M | $151.8M | $3.1k | 14.95% | 19,811 | 1230 |
| 2023Q4 | $212.9M | $184.8M | $154.0M | $1.8M | 14.89% | 19,935 | 1218 |
| 2023Q3 | $213.8M | $188.5M | $149.2M | $1.3M | 14.62% | 20,149 | 1211 |
| 2023Q2 | $219.2M | $193.9M | $146.3M | $1.0M | 14.13% | 20,315 | 1193 |
| 2023Q1 | $220.6M | $195.4M | $145.5M | $701.3k | 13.89% | 20,488 | 1197 |
| 2022Q4 | $212.7M | $188.4M | $143.9M | $1.1M | 14.09% | 20,536 | 1214 |
| 2022Q3 | $216.3M | $192.7M | $136.1M | $741.8k | 13.67% | 20,582 | 1203 |
| 2022Q2 | $224.6M | $199.8M | $125.5M | $448.6k | 13.04% | 20,687 | 1181 |
| 2022Q1 | $225.7M | $199.1M | $121.5M | $267.8k | 12.76% | 20,135 | 1177 |
| 2021Q4 | $225.0M | $195.3M | $123.4M | $2.4M | 12.69% | 20,380 | 1168 |
| 2021Q3 | $226.1M | $196.7M | $125.2M | $2.0M | 12.44% | 20,610 | 1161 |
| 2021Q2 | $221.4M | $192.9M | $124.1M | $1.2M | 12.35% | 20,701 | 1164 |
| 2021Q1 | $226.6M | $198.6M | $126.0M | $813.6k | 11.79% | 20,959 | 1144 |
| 2020Q4 | $218.3M | $190.1M | $130.3M | $3.0M | 11.96% | 21,076 | 1124 |
| 2020Q3 | $207.6M | $182.8M | $132.8M | $-81.3k | 11.09% | 21,248 | 1140 |
| 2020Q2 | $203.7M | $178.4M | $134.4M | $156.9k | 11.42% | 21,335 | 1138 |
| 2020Q1 | $193.2M | $168.6M | $139.0M | $-73.9k | 11.92% | 21,577 | 1120 |
| 2019Q4 | $189.3M | $164.8M | $143.1M | $-42.1k | 12.20% | 21,853 | 1108 |
| 2019Q3 | $187.5M | $163.0M | $146.8M | $-172.1k | 12.25% | 22,109 | 1108 |
| 2019Q2 | $187.3M | $162.7M | $152.3M | $-166.2k | 12.27% | 22,304 | 1117 |
| 2019Q1 | $189.4M | $164.7M | $155.5M | $297.1k | 12.38% | 22,673 | 1108 |
| 2018Q4 | $188.7M | $164.2M | $157.3M | $1.0M | 12.26% | 22,712 | 1090 |
| 2018Q3 | $190.7M | $166.0M | $161.3M | $1.2M | 12.21% | 22,937 | 1076 |
| 2018Q2 | $193.9M | $169.7M | $164.7M | $750.4k | 11.79% | 23,021 | 1073 |
| 2018Q1 | $197.4M | $173.7M | $166.5M | $359.2k | 11.38% | 23,081 | 1063 |
| 2017Q4 | $197.7M | $174.4M | $171.8M | $-39.4k | 11.18% | 23,103 | 1042 |
| 2017Q3 | $202.2M | $179.1M | $174.0M | $-358.0k | 10.77% | 27,294 | 1028 |
| 2017Q2 | $202.5M | $179.2M | $173.2M | $-207.1k | 10.83% | 26,987 | 1026 |
| 2017Q1 | $194.5M | $171.1M | $170.1M | $-80.0k | 11.34% | 26,645 | 1048 |
| 2016Q4 | $186.8M | $163.5M | $167.5M | $388.3k | 11.85% | 26,319 | 1052 |
| 2016Q3 | $185.4M | $161.9M | $161.7M | $210.5k | 11.85% | 26,046 | 1051 |
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