Members Choice of Central Texas

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$212.9M

92^th percentile

Members

18,347

96^th percentile

Total loans

$127.7M

89^th percentile

Total shares

$180.3M

91^th percentile

Profitability

Return on assets

0.88%

40^th percentile

Net interest margin

3.12%

22^th percentile

Efficiency ratio

63.53%

48^th percentile

Non-interest income ratio

24.65%

82^th percentile

Capital & Risk

Net worth ratio

15.92%

81^th percentile

Delinquency rate

0.06%

96^th percentile

Net charge-off rate

0.46%

37^th percentile

Loan-to-share

70.79%

55^th percentile

Growth

Member growth YoY

-4.29%

15^th percentile

Asset growth YoY

4.85%

59^th percentile

Loan growth YoY

-9.84%

5^th percentile

Share growth YoY

3.69%

53^th percentile

Operations

Members / branch

6,116

90^th percentile

Assets / member

$11,607

25^th percentile

Field of membership penetration

2.53%

33^th percentile

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