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
Call Report peers
Members 1st in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Members 1st sits in 90-94 with 747 others.
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 vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 97.12% vs peer 83.90% (+13.22 pp).
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.
- One place up in Pennsylvania, Tri County Area (#32) scores 93/100, 1 point higher; one place down, Tri Boro (#34) ties at 92/100.
Members 1st Call Report trajectory
Members 1st: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $8.34B (2025Q4) to $8.61B (2026Q1).
- Net-worth ratio shifted +0.44 pp (14.30% → 14.74%).
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
Members 1st gives up 8 points in total. Delinquency Rate costs the most, 3.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Members 1st financially healthy?
Members 1st has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #755 of 4,374 nationally on health and #33 of 275 in Pennsylvania. Its net worth ratio is 14.74% and its delinquency rate 0.87%.
How does Members 1st compare to other credit unions?
Members 1st scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (97.12% vs 83.90%).
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?
Members 1st is a federal 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 1st's net worth ratio of 14.74% 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.