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
- NW 69/100
- DELQ 9.2%
- ROA 2.70%
- ASSETS 0.13%
- MEM $22.8M
- RANK 2,117
- PHOTO #3,666/4,374
- BOOK American Pride
- CHARTER 63899
Call Report peers
Members 1st in the assets neighbourhood
Members 1st's $22.8M assets sit next to American Pride ($22.8M) 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
69 16th percentile higher than 16% 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
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63899. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for VT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Members 1st's 5300 filing moved
Members 1st: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $22.8M (2025Q4) to $23.2M (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.13% → 9.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Members 1st's nationwide photo peers by assets and by health score, excluding Vermont charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($22.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
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.
- Rates and health both vary by institution, not just by state -- see how Vermont credit unions compare overall before assuming this one is typical. Vermont 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?
Based on NCUA 5300 Call Report data as of Q4 2025, Members 1st carries a financial health score of 69/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,666 of 4,374; by total assets it ranks #3,061 of 4,374 nationally (same basis as /rankings/largest); and #10 of 14 within Vermont. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.15% net worth ratio and a 2.70% delinquency rate.
How does Members 1st compare to other credit unions?
On PlainCU's health composite, Members 1st lands at 69/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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?
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?
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 9.15% 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.