McLennan County Employees

Waco, TX · 1 · Charter #10461 · www.mclennancountyefcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$21.0M
64th percentile
Members
1,333
47th percentile
Total loans
$7.1M
55th percentile
Total shares
$15.4M
60th percentile

Profitability

Return on assets
0.08%
19th percentile
Net interest margin
3.23%
25th percentile
Efficiency ratio
79.10%
25th percentile
Non-interest income ratio
8.88%
48th percentile

Capital & Risk

Net worth ratio
26.21%
88th percentile
Delinquency rate
0.02%
83th percentile
Net charge-off rate
0.23%
49th percentile
Loan-to-share
46.29%
29th percentile

Growth

Member growth YoY
0.23%
70th percentile
Asset growth YoY
-0.64%
38th percentile
Loan growth YoY
16.43%
94th percentile
Share growth YoY
-0.76%
41th percentile

Operations

Members / branch
667
31th percentile
Assets / member
$15,755
88th percentile
Field of membership penetration
26.66%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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