State credit union · Saint Louis, Missouri · NCUA charter #67770
Members 1st
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $73.9M
- Total assets
- 4,206
- Members
- 9.7%
- Net-worth ratio
Members 1st scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.9M; members 4,206; net-worth ratio 9.70%; health rank #687 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#687 of 4,374 health · 2025Q4Members 1st · health 93/100 · $73.9M · 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 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Members 1st vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 70.20% here, 62.60% peer average (+7.60 pp).
- Net Worth Ratio trails the peer set - 9.70% here, 13.62% peer average (-3.92 pp).
Missouri standing for Members 1st
- Missouri health ordinal: #22 of 89.
- By total assets, Members 1st is #37 of 89 in Missouri.
- Member book place in Missouri: #45 of 89.
- One place up in Missouri, BLUCURRENT (#21) ties at 93/100; one place down, Conservation Employees (#23) ties at 93/100.
Members 1st Call Report trajectory
Members 1st: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $73.9M (2025Q4) to $75.0M (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.68% → 9.70%).
9.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Members 1st gives up 7 points in total. Member Growth costs the most, 6.6 of its 15; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Members 1st
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.70% | -3.92 pp |
| Delinquency Rate | 0.36% | -0.60 pp |
| Return on Assets | 0.88% | +0.22 pp |
| Member Growth | -0.33% | - |
| Loan-to-Share Ratio | 70.20% | +7.60 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $75.0M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Members 1st runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Mattis Road (Main Office) | Saint Louis, MO |
| Festus Office | Festus, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Other-state peers near Members 1st
Using this data
- Members 1st ranks #687 of 4,374 nationally on financial health and #22 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Educational Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Educational Community
Frequently Asked Questions
Is Members 1st financially healthy?
Members 1st has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #687 of 4,374 nationally on health and #22 of 89 in Missouri. Its net worth ratio is 9.70% and its delinquency rate 0.36%.
How does Members 1st compare to other credit unions?
Members 1st scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (70.20% vs 62.60%). Its widest shortfall is net worth ratio (9.70% vs 13.62%).
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 9.70% 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.