B
Members Choice of Central Texas Federal Credit Union
Waco,  TX
Rating Date
July 2025
Net Capital
Ratio
12.72
Leverage
Ratio
15.53
Return On
Assets
0.33%
Total
Assets
210.48M
Capital
26.78M
Total
Deposits
182.14M
Net
Income
173.00K
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Weiss Ratings Members Choice of Central Texas Federal Credit Union
Waco, TX 		Click to
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Rating B
Asset Quality Index 9.80
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 4.30
Stability Index 7.10
Company Info Members Choice of Central Texas Federal Credit Union
Waco, TX 		Click to
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NCUA Charter Number 515
Phone Number (254) 776-7070
Website www.choicefcu.com
Asset Quality Members Choice of Central Texas Federal Credit Union
Waco, TX 		Click to
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1-Year Asset Growth -0.74%
5-Year Asset Growth 1.42%
5-Year Charge-Offs to Average Loans 0.38%
Charge-Offs to Average Loans 0.59%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.53%
Non-Performing Loans to Loans 0.05%
Balance Sheet Members Choice of Central Texas Federal Credit Union
Waco, TX 		Click to
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Total Assets 210.48M
Total Deposits 182.14M
Capital and Reserves Members Choice of Central Texas Federal Credit Union
Waco, TX 		Click to
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Capital 26.78M
Leverage Ratio 15.53
Loan Loss Reserves to Loans 0.50%
Liquidity Members Choice of Central Texas Federal Credit Union
Waco, TX 		Click to
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Hot Money Ratio 13.52%
Liquidity Ratio 16.35%
Profitability Members Choice of Central Texas Federal Credit Union
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5-Year Return on Average Assets 0.86%
Net Income 173.00K
Net Interest Spread 3.49%
Operating Profit to Average Assets 0.74%
Overhead Efficiency Ratio 83.41%
Return on Assets 0.33%
Return on Equity 2.64%