Federal credit union · Enola, Pennsylvania · NCUA charter #6694
Members 1st
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $8.34B
- Total assets
- 625,928
- Members
- 14.7%
- Net-worth ratio
Members 1st scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.34B; members 625,928; net-worth ratio 14.74%; health rank #755 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#755 of 4,374 health · 2025Q4Members 1st · health 92/100 · $8.34B · 2025Q4
- HEALTH 92/100
- NW 14.7%
- DELQ 0.87%
- ROA 1.53%
- ASSETS $8.34B
- MEM 625,928
- RANK #755/4,374
- PHOTO Michigan State University
- BOOK 6694
Call Report peers
Members 1st in the assets neighbourhood
Members 1st's $8.34B assets sit next to Michigan State University ($8.38B) 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 1st 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
92 Top 20% higher than 80% 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 1st - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6694, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Members 1st vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 97.12% vs peer 83.90% (+13.22 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Members 1st sits in Pennsylvania
- Pennsylvania health ordinal: #33 of 275.
- Assets rank #3 of 275 inside Pennsylvania ($8.34B reported).
- Member book place in Pennsylvania: #1 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Members 1st Call Report trajectory
Members 1st: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $8.34B (2025Q4) to $8.61B (2026Q1).
- Net-worth ratio shifted +0.44 pp (14.30% → 14.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.74% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 15.0 pts
- Member Growth 13.8 pts
- Loan-to-Share Ratio 11.9 pts
Call Report ratios for Members 1st
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.74% | +3.56 pp |
| Delinquency Rate | 0.87% | -0.01 pp |
| Return on Assets | 1.53% | +1.02 pp |
| Member Growth | 3.98% | - |
| Loan-to-Share Ratio | 97.12% | +13.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Members 1st
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.61B | - |
| 2025Q4 | $8.34B | 625,928 |
| 2024Q4 | $8.05B | 601,951 |
| 2023Q4 | $7.42B | 573,603 |
Credit Union Details
- Charter Number
- 6694
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- Enola
- Data Quarter
- 2025Q4
Branch Locations (61)
The NCUA branch filing lists 61 physical offices for Members 1st, spread across 41 cities.
| Office | City |
|---|---|
| Members 1 FCU (Main Office) | Enola, PA |
| Trexlertown Branch | Allentown, PA |
| Emrick Boulevard | Bethlehem, PA |
| Camp Hill Branch | Camp Hill, PA |
| North Middleton Branch | Carlisle, PA |
| Walnut Bottom Branch | Carlisle, PA |
| Carlisle Crossings Branch | Carlisle, PA |
| West High Street Branch | Carlisle, PA |
| Denver Branch | Denver, PA |
| Dillsburg Branch | Dillsburg, PA |
| Dover Branch | Dover, PA |
| Duncannon Branch | Duncannon, PA |
| Elizabethtown Branch | Elizabethtown, PA |
| Enola Branch | Enola, PA |
| Valley Road Branch | Enola, PA |
| Ephrata Branch | Ephrata, PA |
| Newberry Commons Branch | Etters, PA |
| Fogelsville Branch | Fogelsville, PA |
| Gettysburg Branch | Gettysburg, PA |
| Gettysburg East Branch | Gettysburg, PA |
| Halifax Branch | Halifax, PA |
| North Hanover Branch | Hanover, PA |
| South Hanover Branch | Hanover, PA |
| Linglestown Road Branch | Harrisburg, PA |
| Colonial Park Branch | Harrisburg, PA |
| Union Deposit Branch | Harrisburg, PA |
| Derry Street Branch | Harrisburg, PA |
| Eisenhower Boulevard Branch | Harrisburg, PA |
| Hershey Route 322 Branch | Hershey, PA |
| Milton Hershey School Branch | Hershey, PA |
| Hummelstown Branch | Hummelstown, PA |
| Lancaster Shopping Center Giant Branch | Lancaster, PA |
| Greenfield Branch | Lancaster, PA |
| Columbia Avenue Branch | Lancaster, PA |
| Quentin Road Branch | Lebanon, PA |
| Highland Park Branch | Lemoyne, PA |
| Lewisburg Giant Branch | Lewisburg, PA |
| Lititz Pike Branch | Lititz, PA |
| Macungie Branch | Macungie, PA |
| Manchester Giant Branch | Manchester, PA |
| Carlisle Pike Branch | Mechanicsburg, PA |
| Naval Support Activity Branch | Mechanicsburg, PA |
| Market Plaza Branch | Mechanicsburg, PA |
| Simpson Ferry Branch | Mechanicsburg, PA |
| Middletown Branch | Middletown, PA |
| Millersville Branch | Millersville, PA |
| Mount Joy Branch | Mount Joy, PA |
| New Cumberland Branch | New Cumberland, PA |
| Palmyra Route 422 Branch | Palmyra, PA |
| Exeter Branch | Reading, PA |
| Red Lion Branch | Red Lion, PA |
| Shippensburg Branch | Shippensburg, PA |
| Shrewsberry Branch | Shrewsbury, PA |
| Sinking Spring Branch | Sinking Spring, PA |
| Whitehall Branch | Whitehall, PA |
| Williamsport Branch | Williamsport, PA |
| Willow Street Branch | Willow Street, PA |
| West York Branch | York, PA |
| Whiteford Road Branch | York, PA |
| Mt Rose Avenue Branch | York, PA |
| South Queen Street Branch | York, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Members 1st
Cross-state asset and health neighbours for Members 1st - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($8.34B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Members 1st ranks #755 of 4,374 nationally on financial health and #33 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pennsylvania State Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pennsylvania State Employees
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 1st financially healthy?
Members 1st scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #755 of 4,374; by total assets it ranks #47 of 4,374 nationally (same basis as /rankings/largest); and #3 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.74% net worth ratio and a 0.87% delinquency rate.
How does Members 1st compare to other credit unions?
Five weighted metrics from NCUA filings produce Members 1st's 92/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 1st?
Members 1st operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Members 1st directly for the exact boundaries and application steps.
Is my money safe at Members 1st?
Federal credit unions like Members 1st 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 1st's net worth ratio of 14.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members 1st offer compared to banks?
Credit unions like Members 1st 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 1st 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.