Members Choice

Houston, TX · 2 · Charter #67508 · www.mccu.com
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
$725.4M
81th percentile
Members
46,480
84th percentile
Total loans
$551.4M
85th percentile
Total shares
$555.4M
75th percentile

Profitability

Return on assets
0.15%
8th percentile
Net interest margin
3.82%
74th percentile
Efficiency ratio
58.59%
53th percentile
Non-interest income ratio
14.07%
21th percentile

Capital & Risk

Net worth ratio
8.30%
8th percentile
Delinquency rate
0.98%
29th percentile
Net charge-off rate
0.92%
13th percentile
Loan-to-share
99.29%
91th percentile

Growth

Member growth YoY
-1.21%
31th percentile
Asset growth YoY
-5.37%
2th percentile
Loan growth YoY
-0.03%
26th percentile
Share growth YoY
-1.20%
9th percentile

Operations

Members / branch
6,640
79th percentile
Assets / member
$15,608
45th percentile
Field of membership penetration
0.63%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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