MEMBERS CHOICE

Charter #67508 | TX

500M-750M (169 CUs) Community (281 CUs)
16 500M-750M in TX

MEMBERS CHOICE has 3 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.30% above tier average
  • + Loan-to-Share Ratio: Top 7.7% in tier
  • + Total Assets: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Accelerating Exit Risk: Bottom 8.8% in tier
  • - Credit Quality Pressure: Bottom 13.8% in tier
  • - Shrinking Wallet Share: Bottom 14.8% in tier
  • - Liquidity Strain: Bottom 15.5% in tier
  • - Institutional Decline: Bottom 17.2% in tier
  • - Membership Headwinds: Bottom 17.7% in tier
  • - Efficiency Drag: Bottom 21.9% in tier
  • - Stagnation Risk: Bottom 25.5% in tier
  • - ROA 0.42% below tier average
  • - Efficiency ratio 3.64% above tier (higher cost structure)
  • - Delinquency rate 0.14% above tier average
  • - Member decline: -2.3% YoY
  • - Deposit Growth Rate: Bottom 3.0% in tier
  • - Asset Growth Rate: Bottom 4.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 46,097
-2.3% YoY-0.0% QoQ
 +6.3K 39,752
-2.7% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 23.7% in tier
Assets $727.7M
-6.8% YoY-2.2% QoQ
 +$105.3M $622.4M
+0.3% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 9.5% in tier
Loans $551.0M
-2.0% YoY+2.1% QoQ
 +$115.1M $435.9M
-0.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 11.8% in tier
Deposits $553.9M
-6.7% YoY-1.2% QoQ
 +$15.8M $538.0M
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 59th in tier
ROA 0.2%
+314.8% YoY-5.2% QoQ
 -0.4% 0.7%
+33.9% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 21.3% in tier
NIM 3.7%
+13.9% YoY+4.6% QoQ
 +0.3% 3.4%
+8.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 73rd in tier
Efficiency Ratio 81.7%
-0.5% YoY+1.1% QoQ
 +3.6% 78.1%
-3.4% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 68th in tier
Delinquency Rate 0.9%
+29.6% YoY-11.0% QoQ
 +0.1 0.8%
-4.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 70th in tier
Loan To Share 99.5%
+5.0% YoY+3.3% QoQ
 +18.5% 81.0%
-1.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 8.3% in tier
AMR $23,969
-2.1% YoY+0.4% QoQ
 $-3K $26,482
+2.6% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 44th in tier
CD Concentration 28.2%
-0.2% YoY+4.8% QoQ
 +3.8% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 65th in tier
Indirect Auto % 10.1%
-11.1% YoY+0.2% QoQ
 -3.8% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 54th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Accelerating Exit Risk

decline
#24 of 58 • Bottom 8.8% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -2.35%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -2.12%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 281 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | New qualifier

Credit Quality Pressure

risk
#342 of 736 • Bottom 13.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.22% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#148 of 244 • Bottom 14.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.12%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Strain

risk
#121 of 258 • Bottom 15.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 99.49%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -2.02%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Institutional Decline

decline
#136 of 256 • Bottom 17.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $727.68M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -2.35%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.02%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 281 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#292 of 550 • Bottom 17.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.35%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk
#387 of 521 • Bottom 21.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.74%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.18% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -2.35%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Stagnation Risk

risk
#420 of 550 • Bottom 25.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.24%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.35%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $24.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 28.25%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (5 metrics)

14
Loan-to-Share Ratio
balance_sheet
Value: 99.49%
Peer Avg: 81.02%
#14 of 169 Top 7.7% in 500M-750M tier
16
Total Assets
balance_sheet
Value: $727.68M
Peer Avg: $622.38M
#16 of 169 Top 8.9% in 500M-750M tier
20
Total Loans
balance_sheet
Value: $551.04M
Peer Avg: $435.95M
#20 of 169 Top 11.2% in 500M-750M tier
40
Total Members
engagement
Value: 46,097
Peer Avg: 39,752
#40 of 169 Top 23.1% in 500M-750M tier
42
Members Per Employee (MPE)
engagement
Value: 384.142
Peer Avg: 338.010
#42 of 169 Top 24.3% in 500M-750M tier

Top Weaknesses (9 metrics)

165
Deposit Growth Rate
growth
Value: -6.68%
Peer Avg: 5.25%
#165 of 169 Bottom 3.0% in 500M-750M tier
162
Asset Growth Rate
growth
Value: -6.79%
Peer Avg: 4.33%
#162 of 169 Bottom 4.7% in 500M-750M tier
153
Net Worth Ratio
risk
Value: 8.35%
Peer Avg: 10.94%
#153 of 169 Bottom 10.1% in 500M-750M tier
148
AMR Growth Rate
growth
Value: -2.12%
Peer Avg: 3.12%
#148 of 169 Bottom 13.0% in 500M-750M tier
142
Net Charge-Off Rate
risk
Value: 0.91%
Peer Avg: 0.51%
#142 of 169 Bottom 16.6% in 500M-750M tier
141
Member Growth Rate
growth
Value: -2.35%
Peer Avg: 1.75%
#141 of 169 Bottom 17.2% in 500M-750M tier
138
Fee Income Per Member
profitability
Value: $138.41
Peer Avg: $199.27
#138 of 169 Bottom 18.9% in 500M-750M tier
138
Loan Growth Rate
growth
Value: -2.02%
Peer Avg: 4.04%
#138 of 169 Bottom 18.9% in 500M-750M tier
133
Return on Assets (ROA)
profitability
Value: 0.24%
Peer Avg: 0.66%
#133 of 169 Bottom 21.9% in 500M-750M tier