MEMBERS CHOICE OF CENTRAL TEXAS Credit Union Profile

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MEMBERS CHOICE OF CENTRAL TEXAS

Charter #199 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (254) 776-7070

Fax:

Founding Date: N/A

Website: http://www.choicefcu.com

Personnel & Operations

President: Alligood, Brenda

Manager: Cox, Don

FT Employees: 50

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 3

Hours: LOBBY: MON-THUR 9:00AM-5:00PM; FRI 9:00AM-6

Credit Union Profile Summary

MEMBERS CHOICE OF CENTRAL TEXAS is a FCU Credit Union. With a total of 18,728 members [1], this institution manages approximately $209,442,304 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.84% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -9.64% [1].

Financial Snapshot

Total Assets [1]
$209,442,304

Total economic resources.

Total Loans [1]
$134,914,081

Total value of outstanding loans.

Total Deposits [1]
$180,659,261

Total funds deposited by members.

Members [1]
18,728

Number of active members.

Performance Ratios

Net Worth Ratio [1]
15.84%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.64%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
74.68%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.40%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -9.64%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -4.09%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

4631 W WACO DR

WACO, TX, 76710
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by MEMBERS CHOICE OF CENTRAL TEXAS (Charter #199).

Main Office

Main Branch Main Office

Type: Corporate Office

4631 W Waco Dr

Waco, TX 76710

Phone: (254) 776-7070

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Marlin

Marlin Branch

Type: Branch Office

212 Virginia Ave

Marlin, TX 76661

Phone: (254) 883-3742

Services: Member Services, ATM, Drive-Thru

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Waco

Northside Branch

Type: Branch Office

845 New Dallas Hwy

Waco, TX 76705

Phone: (254) 867-1250

Services: Member Services, ATM, Drive-Thru

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