State credit union · Brattleboro, Vermont · NCUA charter #63899
Members 1st
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $22.8M
- Total assets
- 2,117
- Members
- 9.2%
- Net-worth ratio
Members 1st scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.8M; members 2,117; net-worth ratio 9.15%; health rank #3,666 of 4,374; healthier than 16th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,666 of 4,374 health · 2025Q4Members 1st · health 69/100 · $22.8M · 2025Q4
Call Report peers
Members 1st in the assets neighbourhood
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Members 1st vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Members 1st sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Members 1st diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 74.23% vs peer 59.80% (+14.43 pp).
- Largest lag: Net Worth Ratio at 9.15% vs peer 14.86% (-5.71 pp).
Vermont standing for Members 1st
- In Vermont, health place is #9 of 14 on the same NCUA-ratio sort used nationally.
- Assets rank #10 of 14 inside Vermont ($22.8M reported).
- Membership ranks #10 of 14 among Vermont CUs with a reported count (2,117 members).
- One place up in Vermont, Orlex Government Employees (#8) scores 77/100, 8 points higher; one place down, St. Patrick's Parish (#10) scores 68/100, 1 point lower.
How Members 1st's 5300 filing moved
Members 1st: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $22.8M (2025Q4) to $23.2M (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.13% → 9.15%).
9.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 69/100 score is built
Members 1st gives up 31 points in total. Delinquency Rate costs the most, 16.9 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 8.1 pts
- Return on Assets 9.5 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Members 1st
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.15% | -5.71 pp |
| Delinquency Rate | 2.70% | +1.55 pp |
| Return on Assets | 0.13% | -0.57 pp |
| Member Growth | -0.19% | - |
| Loan-to-Share Ratio | 74.23% | +14.43 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.2M | - |
| 2025Q4 | $22.8M | 2,117 |
| 2024Q4 | $21.2M | 2,121 |
| 2023Q4 | $17.2M | 2,097 |
Credit Union Details
- Charter Number
- 63899
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Vermont
- City
- Brattleboro
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Members 1st runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Members 1st Credit Union (Main Office) | Brattleboro, VT |
| 802 CREDIT UNION | Brattleboro, VT |
| EPL | Omaha, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Vermont
More federally-insured credit unions based in Vermont, ordered by peer group match and asset size.
- CENTRAL VERMONT MEDICAL CENTER,INC.BARRE, VT · $10M–$50M54Health
- NORTHERN LIGHTSSaint Johnsbury, VT · $10M–$50M85Health
- ORLEX GOVERNMENT EMPLOYEESNewport, VT · $2M–$10M77Health
- NORTHEAST SCHOOLS AND HOSPITALNewport, VT · $2M–$10M66Health
- ST. PATRICK'S PARISHFairfield, VT · Under $2M68Health
Members 1st nationwide neighbourhoods
Similar total assets
Using this data
- Members 1st ranks #3,666 of 4,374 nationally on financial health and #9 of 14 in VT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Central Vermont Medical Center,Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Central Vermont Medical Center,Inc.
Frequently Asked Questions
Is Members 1st financially healthy?
Members 1st has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,666 of 4,374 nationally on health and #9 of 14 in Vermont. Its net worth ratio is 9.15% and its delinquency rate 2.70%.
How does Members 1st compare to other credit unions?
Members 1st scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (74.23% vs 59.80%). Its widest shortfall is net worth ratio (9.15% vs 14.86%).
How can I join Members 1st?
Membership eligibility for Members 1st depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members 1st directly for current membership requirements and application steps.
Is my money safe at Members 1st?
Members 1st 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 1st's net worth ratio of 9.15% 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.