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
Call Report peers
MEMBERS in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); MEMBERS sits in 80-84 with 767 others.
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: 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).
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.
- One place up in North Carolina, Fort Bragg (#23) scores 85/100, 1 point higher; one place down, Duke University (#25) ties at 84/100.
How MEMBERS's 5300 filing moved
MEMBERS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $460.5M (2025Q4) to $481.8M (2026Q1).
- Net-worth ratio shifted -0.47 pp (14.82% → 14.35%).
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
MEMBERS gives up 16 points in total. Delinquency Rate costs the most, 6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is MEMBERS financially healthy?
On its 2025Q4 NCUA 5300 filing, MEMBERS scores 84/100 (Excellent), with a 14.35% net worth ratio and 1.14% of loans delinquent. It ranks #2,086 of 4,374 nationally on health and #24 of 57 in North Carolina.
How does MEMBERS compare to other credit unions?
MEMBERS scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.35% vs 12.11%). Its widest shortfall is loan-to-share ratio (47.78% vs 72.20%).
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?
MEMBERS is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.