Federal credit union · Enola, Pennsylvania · NCUA charter #6694
Members 1st
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $8.34B
- Total assets
- 625,928
- Members
- 14.1%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)85
- Earnings (ROA)100
- Member growth92
- Liquidity (loan-to-share)79
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.14% | 30% |
| Delinquency Rate | 0.87% | 25% |
| Return on Assets | 1.53% | 15% |
| Member Growth | 3.98% | 15% |
| Loan-to-Share Ratio | 97.12% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Members 1st
The five-factor composite scores Members 1st at 92/100 (Excellent), reflecting a net worth ratio of 14.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Enola, Pennsylvania, reports 625,928 members, $8.34B in total assets, and $6.88B in outstanding loans as of Q4 2025 under charter #6694 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Two more numbers round out the picture: a 0.87% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 97.12% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.53% on net income of $127.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.98%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.14% 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 14.14% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.