Members

Cleburne, TX · 2 · Charter #67649 · www.memberscreditunion.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$112.8M
53th percentile
Members
8,620
58th percentile
Total loans
$55.9M
47th percentile
Total shares
$101.8M
57th percentile

Profitability

Return on assets
1.25%
65th percentile
Net interest margin
4.12%
76th percentile
Efficiency ratio
64.37%
45th percentile
Non-interest income ratio
18.92%
59th percentile

Capital & Risk

Net worth ratio
11.24%
38th percentile
Delinquency rate
0.96%
36th percentile
Net charge-off rate
0.43%
40th percentile
Loan-to-share
54.93%
27th percentile

Growth

Member growth YoY
0.31%
62th percentile
Asset growth YoY
9.30%
86th percentile
Loan growth YoY
-7.19%
11th percentile
Share growth YoY
10.61%
89th percentile

Operations

Members / branch
4,310
74th percentile
Assets / member
$13,091
39th percentile
Field of membership penetration
3.84%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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