State credit union · Saint Louis, Missouri · NCUA charter #67770
Members 1st
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $73.9M
- Total assets
- 4,206
- Members
- 8.0%
- Net-worth ratio
Members 1st - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67770: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Members 1st - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)83
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth56
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.99% | 30% |
| Delinquency Rate | 0.36% | 25% |
| Return on Assets | 0.88% | 15% |
| Member Growth | -0.33% | 15% |
| Loan-to-Share Ratio | 70.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $73.9M | 4,206 |
| 2024Q4 | $68.9M | 4,220 |
| 2023Q4 | $62.2M | 4,246 |
Credit Union Details
- Charter Number
- 67770
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- Saint Louis
- Data Quarter
- 2025Q4
What This Data Says About Members 1st
4,206 members and $73.9M in total assets sit behind Members 1st, a state credit union in Saint Louis, Missouri, which posts a health score of 88/100 (Excellent) on the five-factor composite, with $45.8M in outstanding loans as of Q4 2025 and a net worth ratio of 7.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67770 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.36% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 70.20% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.88% on net income of $652K 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 -0.33%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
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?
Based on NCUA 5300 Call Report data as of Q4 2025, Members 1st carries a financial health score of 88/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.99% net worth ratio and a 0.36% delinquency rate.
How does Members 1st compare to other credit unions?
Members 1st scores 88/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 7.99% 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.