MEMBERS CHOICE OF CENTRAL TEXAS
Federal • WACO, Texas • Est. 1935
Quick Facts
- Charter Number
- #199
- Type
- Federal
- Established
- 1935
- Headquarters
- WACO, Texas 76702
- Address
- PO BOX 20248
- Branches
- 3
- ATMs
- 3
- Members
- 18,347
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
18,347 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MEMBERS CHOICE OF CENTRAL TEXAS |
|---|---|
| Total Assets | $212.9M |
| Members | 18,347 |
| Loans Outstanding | $127.7M |
| Shares & Deposits | $181.9M |
| Net Worth | $33.9M |
| Net Worth Ratio | 15.92% |
| Loan-to-Share Ratio | 70.2% |
| Delinquency Rate | 0.06% |
| Net Income | +$1,872,280 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Texas RankingsFrequently Asked Questions
Yes. MEMBERS CHOICE OF CENTRAL TEXAS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MEMBERS CHOICE OF CENTRAL TEXAS has 18,347 members and a potential membership field of 724,568 people.
MEMBERS CHOICE OF CENTRAL TEXAS's net worth ratio is 15.92% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.9%, MEMBERS CHOICE OF CENTRAL TEXAS meets this threshold.
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 (Q4 2025). 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.