Charter 199 · Waco, TX
Members Choice of Central Texas Federal Credit Union
Members Choice of Central Texas Federal Credit Union is a federally chartered credit union in Waco, Texas, with $213 million in assets and 18,057 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 16.26%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $213 million
- +1.7% in a year
- Members
- 18,057
- -3.6% in a year
- Net worth ratio
- 16.26%
- Peer median 11.65%
- Loans 60+ days late
- 0.06%
- Peer median 0.70%
- Loans outstanding
- $122 million
- -9.9% in a year
- Shares and deposits
- $182 million
- +0.6% in a year
- Branches
- 3
- 52 employees
- Opened
- 1935
- Federal charter
How Members Choice of Central Texas Federal Credit Union compares
NCUA groups credit unions by size; Members Choice of Central Texas Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 16.26% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.06%, is lower than the group median of 0.70%. Loans fell 9.9% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 102 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $213 million | 18,057 | $122 million | 16.26% | 0.06% |
| Q1 2026 | $213 million | 18,295 | $125 million | 16.06% | 0.05% |
| Q4 2025 | $213 million | 18,347 | $128 million | 15.92% | 0.06% |
| Q3 2025 | $211 million | 18,562 | $131 million | 15.95% | 0.05% |
| Q2 2025 | $209 million | 18,728 | $135 million | 15.84% | 0.09% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 724,568 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Members Choice of Central Texas Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Branch (main office)
4631 W Waco Dr, Waco, TX 76710 - Marlin Branch
212 Virginia Ave, Marlin, TX 76661 - Northside Branch
845 New Dallas Hwy, Waco, TX 76705
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology