Members Trust of the Southwest

Houston, TX · 1 · Charter #1584 · www.mtfcu.coop
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$262.4M
5th percentile
Members
8,768
1th percentile
Total loans
$206.8M
22th percentile
Total shares
$212.5M
1th percentile

Profitability

Return on assets
1.03%
55th percentile
Net interest margin
2.53%
7th percentile
Efficiency ratio
38.84%
96th percentile
Non-interest income ratio
13.04%
15th percentile

Capital & Risk

Net worth ratio
8.20%
7th percentile
Delinquency rate
0.21%
92th percentile
Net charge-off rate
0.17%
81th percentile
Loan-to-share
97.31%
88th percentile

Growth

Member growth YoY
2.55%
73th percentile
Asset growth YoY
7.85%
72th percentile
Loan growth YoY
11.22%
86th percentile
Share growth YoY
6.42%
66th percentile

Operations

Members / branch
4,384
45th percentile
Assets / member
$29,928
96th percentile
Field of membership penetration
35.07%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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