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Overview / Commentary
10100 Richmond Ave
Houston, TX 77042

Membersource Credit Union is headquartered in Houston and is the 81st largest credit union in the state of Texas. It is also the 915st largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 60 employees and 17,480 members. Membersource Credit Union has a B+ health rating.

Field of Membership Restrictions

Must work in MemberSource Member Company. Also open to those who live within a ten-mile radius of any MemberSource Credit Union's office. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Membersource Credit Union had $449,000 in non-current loans and owned real-estate with $14.88 million in equity and loan loss allowances on hand to cover it. This gives Membersource Credit Union a Texas Ratio of 3.02% 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 Membersource Credit Union experienced no significant changes from 3.16% as of March 31, 2013 to 3.02% as of March 31, 2014, resulting in a positive change of 4.61%.This indicates that the balance sheet and financial strength for Membersource Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Membersource Credit Union has increased its total deposits by $5.53 million, resulting in 2.96% 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 Membersource Credit Union has shown is above average.



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. Membersource Credit Union has $207.78 million in assets with $14.88 million in equity, resulting in a capitalization level of 7.16%, which is below average.

Institution Statistics

NCUA #68440
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$207.78 million
Loans$96.45 million
Deposits$191.94 million
Equity Capital$14.20 million
Loan Loss Allowance$679,000
Unbacked Noncurrent Loans$449,000
Real Estate Owned$0
Historic Data - March 2013
Assets$202.36 million
Equity Capital$14.62 million
Loan Loss Allowance$898,000
Unbacked Noncurrent Loans$449,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.19%
Return on Equity2.82%
Interest Income$1.60 million

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Membersource Credit Union Savings Account Rates

0.25%$25-Roth Money Fund IRA
0.25%--Education IRA
0.10%$25k-Regular Share Savings
0.10%$25k-WILD Savings
0.10%--IRA Savings
0.10%$100-Christmas Club
0.05%$100-Life Savings Account

Membersource Credit Union Money Market Rates

0.20%$100k-Money Market Plus Account
0.10%$1k-Money Market Account

Membersource Credit Union Checking Account Rates

0.15%$50k-Market Reward Checking
0.05%$100-Member's Advantage Checking
0.03%$100-Personal Choice Checking

Membersource Credit Union CD Rates

1.25%$100k-60 Month Term Share Certificate
0.85%$100k-48 Month Term Share Certificate
0.75%$100k-36 Month Term Share Certificate
0.60%$100k-24 Month Term Share Certificate
0.40%$100k-12 Month Term Share Certificate
0.25%$100k-6 Month Term Share Certificate

Membersource Credit Union IRA Rates

1.25%$100k-60 Month Term IRA Certificate
0.85%$100k-48 Month Term IRA Certificate
0.75%$100k-36 Month Term IRA Certificate
0.60%$100k-24 Month Term IRA Certificate
0.40%$100k-12 Month Term IRA Certificate
0.25%$100k-6 Month Term IRA Certificate

Membersource Credit Union Locations
Branch Office1201 Lake Robbins DrThe Woodlands, TX 77380
Branch Office5400 Westheimer CtHouston, TX 77056
Branch Office5444 Westheimer RdHouston, TX 77056
Branch Office10100 Richmond AveHouston, TX 77042