Members Choice Of Central Texas Credit Union

Members Choice Of Central Texas Credit Union is headquartered in WACO and is the 89^th largest credit union in the state of Texas. It is also the 1,066^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 59 employees and 27,853 members. Members Choice Of Central Texas Credit Union's money market rates are 59% higher than the national average, and it boasts a 5-star health rating.

Members Choice Of Central Texas Credit Union Savings Account Rates

Members Choice Of Central Texas Credit Union Money Market Rates

Members Choice Of Central Texas Credit Union CD Rates

Members Choice Of Central Texas Credit Union IRA Rates

Data for Q4 2011

Institution Statistics MEMBERS CHOICE OF CENTRAL TEXAS NCUA # 199 BankRate Report View Year Chartered 1935 Employees 59 Primary Regulator Assets and Liabilities Assets $148.61 million Loans $109.67 million Deposits $133.30 million Equity Capital $14.17 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $827,000 Real Estate Owned $171,000 Historic Data - December 2010 Assets $131.26 million Equity Capital $11.83 million Loan Loss Allowance $1.64 million Unbacked Noncurrent Loans $1.01 million Profit Margin - Quarterly Net Interest Margin 8.28% Return on Assets 1.58% Return on Equity 16.58% Interest Income $10.45 million Non-Interest Income $2.81 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Members Choice Of Central Texas Credit Union had $998,000 in non-current loans and owned real-estate with $16.6 million in equity and loan loss allowances on hand to cover it. This gives Members Choice Of Central Texas Credit Union a Texas Ratio of 6.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Members Choice Of Central Texas Credit Union decreased slightly from 7.52% as of December 31, 2010 to 6.01% as of December 31, 2011, resulting in a positive change of 20.05%.This indicates that the balance sheet and financial strength for Members Choice Of Central Texas Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Members Choice Of Central Texas Credit Union has increased its total deposits by $15.04 million, resulting in 12.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Members Choice Of Central Texas Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Members Choice Of Central Texas Credit Union has $148.61 million in assets with $16.6 million in equity, resulting in a capitalization level of 11.17%, which is above average.

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