Banana Wheat Germ Streusel Muffins

These are my favorite, somewhat healthy, banana muffins. I also add 1 cup chocolate chips. Do I still get to count them as healthy? From Taste of Home.
1 cup all-purpose flour
1/2 cup whole wheat flour
1/3 cup packed brown sugar
1 teaspoon baking powder
1/2 teaspoon baking soda
1/2 teaspoon salt
1-1/3 cups mashed ripe bananas (about 3 medium)
1 egg
2 tablespoons canola oil
2 tablespoons unsweetened applesauce

STREUSEL:
1/4 cup packed brown sugar
2 tablespoons toasted wheat germ
1/8 teaspoon ground cinnamon
1 tablespoon cold butter
2 tablespoons finely chopped walnuts
Directions
In a large bowl, combine the flours, brown sugar, baking powder, baking soda and salt. In another bowl, beat the bananas, egg, oil and applesauce until well blended. Stir into dry ingredients just until moistened.
Coat muffin cups with cooking spray or use paper liners; fill two-thirds full with batter. For streusel, combine the brown sugar, wheat germ and cinnamon; cut in butter until crumbly. Stir in walnuts. Sprinkle over batter.
Bake at 375° for 18-22 minutes or until a toothpick inserted near the center comes out clean. Cool for 5 minutes before removing from pan to a wire rack. Yield: 10 muffins.

Nutrition Facts: 1 muffin equals 203 calories, 6 g fat (1 g saturated fat), 24 mg cholesterol, 242 mg sodium, 36 g carbohydrate, 2 g fiber, 4 g protein.