MEMBERS CHOICE OF CENTRAL TEXAS
Federal • Waco, Texas • Est. 1935
Quick Facts
- Charter Number
- #199
- Type
- Federal
- Established
- 1935
- Headquarters
- Waco, Texas 76710
- Address
- 4631 W Waco Dr
- Branches
- 3
- ATMs
- 3
- Members
- 18,295
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
18,295 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MEMBERS CHOICE OF CENTRAL TEXAS |
|---|---|
| Total Assets | $213.3M |
| Members | 18,295 |
| Loans Outstanding | $125.4M |
| Shares & Deposits | $182.3M |
| Net Worth | $34.3M |
| Net Worth Ratio | 16.06% |
| Loan-to-Share Ratio | 68.8% |
| Delinquency Rate | 0.05% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
3 locations · 3 ATMs
Main Branch
Main Office4631 W Waco Dr
Waco, TX 76710
Marlin Branch
212 Virginia Ave
Marlin, TX 76661
Northside Branch
845 New Dallas Hwy
Waco, TX 76705
Who Can Join MEMBERS CHOICE OF CENTRAL TEXAS?
Membership Type: Community
Membership eligibility for MEMBERS CHOICE OF CENTRAL TEXAS may vary. Contact the credit union directly to confirm qualification requirements.
Contact MEMBERS CHOICE OF CENTRAL TEXAS directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Texas
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Texas RankingsFrequently Asked Questions
MEMBERS CHOICE OF CENTRAL TEXAS is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, MEMBERS CHOICE OF CENTRAL TEXAS has 18,295 members and a potential membership field of 724,568 people.
MEMBERS CHOICE OF CENTRAL TEXAS's reported net worth ratio is 16.06% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
MEMBERS CHOICE OF CENTRAL TEXAS operates 3 branch locations and has access to 3 ATMs. The main office is located at 4631 W Waco Dr, Waco, TX 76710.
MEMBERS CHOICE OF CENTRAL TEXAS was established in 1935. It is a federal credit union chartered under charter number 199. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or MEMBERS CHOICE OF CENTRAL TEXAS. All financial data is for informational purposes only.