State credit union · WINSTON SALEM, North Carolina · NCUA charter #60002
MEMBERS
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $460.5M
- Total assets
- 47,763
- Members
- 14.3%
- Net-worth ratio
MEMBERS scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $460.5M; members 47,763; net-worth ratio 14.35%; health rank #2,086 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,086 of 4,374 health · 2025Q4MEMBERS · health 84/100 · $460.5M · 2025Q4
- CHARTER 84/100
- NCUSIF 14.3%
- CAMELS 1.14%
- HEALTH 1.03%
- NW $460.5M
- DELQ 47,763
- ROA #2,086/4,374
- ASSETS First Harvest
- MEM 60002
Call Report peers
MEMBERS in the assets neighbourhood
MEMBERS's $460.5M assets sit next to First Harvest ($458.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MEMBERS vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
MEMBERS - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60002, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
MEMBERS: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 14.35% vs peer 12.11% (+2.24 pp).
- Loan-to-Share Ratio trails the peer set - 47.78% here, 72.20% peer average (-24.42 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MEMBERS in North Carolina
- In North Carolina, health place is #24 of 57 on the same NCUA-ratio sort used nationally.
- Assets rank #14 of 57 inside North Carolina ($460.5M reported).
- North Carolina membership ordinal: #11 of 57.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How MEMBERS's 5300 filing moved
MEMBERS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $460.5M (2025Q4) to $481.8M (2026Q1).
- Net-worth ratio shifted -0.47 pp (14.82% → 14.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 10.6 pts
Call Report ratios for MEMBERS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.35% | +2.24 pp |
| Delinquency Rate | 1.14% | +0.24 pp |
| Return on Assets | 1.03% | +0.41 pp |
| Member Growth | 0.32% | - |
| Loan-to-Share Ratio | 47.78% | -24.42 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
MEMBERS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $481.8M | - |
| 2025Q4 | $460.5M | 47,763 |
| 2024Q4 | $438.8M | 47,611 |
| 2023Q4 | $435.4M | 49,015 |
Credit Union Details
- Charter Number
- 60002
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- WINSTON SALEM
- Data Quarter
- 2025Q4
Branch Locations (18)
MEMBERS operates 18 offices across 15 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Members Credit Union - Main (Main Office) | Winston Salem, NC |
| Members Credit Union - Elkin | Elkin, NC |
| Members Credit Union Gastonia | Gastonia, NC |
| Members Credit Union - Hickory | Hickory, NC |
| Members Credit Union - Greensboro | High Point, NC |
| Members Credit Union - High Point | High Point, NC |
| Members Credit Union - Hope Mills | Hope Mills, NC |
| Members Credit Union - Lenoir | Lenoir, NC |
| Members Credit Union - Lincolnton | Lincolnton, NC |
| Members Credit Union - Lumberton | Lumberton, NC |
| Members Credit Union | Mocksville, NC |
| Members Credit Union - Morganton | Morganton, NC |
| Members Credit Union - Newton | Newton, NC |
| Members Credit Union - Statesville Branch | Statesville, NC |
| Members Credit Union - Thomasville | Thomasville, NC |
| Members Credit Union - Valdese | Valdese, NC |
| Members Credit Union | Winston Salem, NC |
| Museum Drive | Winston Salem, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
MEMBERS nationwide neighbourhoods
Cross-state asset and health neighbours for MEMBERS - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($460.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- MEMBERS ranks #2,086 of 4,374 nationally on financial health and #24 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Telco Community Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Telco Community Credit Union
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MEMBERS financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, MEMBERS carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,086 of 4,374; by total assets it ranks #790 of 4,374 nationally (same basis as /rankings/largest); and #14 of 57 within North Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.35% net worth ratio and a 1.14% delinquency rate.
How does MEMBERS compare to other credit unions?
84/100 is MEMBERS's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join MEMBERS?
Membership eligibility for MEMBERS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MEMBERS directly for current membership requirements and application steps.
Is my money safe at MEMBERS?
Federal credit unions like MEMBERS are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. MEMBERS's net worth ratio of 14.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MEMBERS offer compared to banks?
Credit unions like MEMBERS are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MEMBERS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.