Federal credit union · Vineland, New Jersey · NCUA charter #2574
Members 1st of Nj
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $129.2M
- Total assets
- 13,083
- Members
- 9.6%
- Net-worth ratio
Members 1st of Nj scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $129.2M; members 13,083; net-worth ratio 9.63%; health rank #1,702 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,702 of 4,374 health · 2025Q4Members 1st of Nj · health 87/100 · $129.2M · 2025Q4
- ROA 87/100
- ASSETS 9.6%
- MEM 0.90%
- RANK 0.26%
- PHOTO $129.2M
- BOOK 13,083
- CHARTER #1,702/4,374
- NCUSIF WAILUKU
- CAMELS 2574
Call Report peers
Members 1st of Nj in the assets neighbourhood
Members 1st of Nj's $129.2M assets sit next to WAILUKU ($129.2M) 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 of Nj 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
87 Top 40% higher than 60% 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 of Nj - Share Insurance Coverage
Charter #2574's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Members 1st of Nj diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 50.68% vs peer 72.20% (-21.52 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Members 1st of Nj in New Jersey
- Health composite ranks #12 of 127 among scored New Jersey credit unions.
- Assets rank #24 of 127 inside New Jersey ($129.2M reported).
- Member book place in New Jersey: #20 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Members 1st of Nj's 5300 filing moved
Members 1st of Nj: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $129.2M (2025Q4) to $133.3M (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.75% → 9.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.63%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 21.0 pts
- Return on Assets 11.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.63% | -2.48 pp |
| Delinquency Rate | 0.90% | +0.01 pp |
| Return on Assets | 0.26% | -0.36 pp |
| Member Growth | 35.77% | - |
| Loan-to-Share Ratio | 50.68% | -21.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Members 1st of Nj filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $133.3M | - |
| 2025Q4 | $129.2M | 13,083 |
| 2024Q4 | $84.4M | 9,636 |
| 2023Q4 | $83.1M | 9,697 |
Credit Union Details
- Charter Number
- 2574
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Vineland
- Data Quarter
- 2025Q4
Branch Locations (4)
Members 1st of Nj operates 4 offices across 4 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Vineland, NJ |
| Bridgeton Office | Bridgeton, NJ |
| Fiserv | Frisco, TX |
| Thunderbolt Office | Millville, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Other-state peers near Members 1st of Nj
Members 1st of Nj's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($129.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Members 1st of Nj ranks #1,702 of 4,374 nationally on financial health and #12 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- County Excellence is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with County Excellence
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey 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 of Nj financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Members 1st of Nj carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,702 of 4,374; by total assets it ranks #1,610 of 4,374 nationally (same basis as /rankings/largest); and #24 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.63% net worth ratio and a 0.90% delinquency rate.
How does Members 1st of Nj compare to other credit unions?
87/100 is Members 1st of Nj's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 of Nj?
Members 1st of Nj 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 of Nj directly for the exact boundaries and application steps.
Is my money safe at Members 1st of Nj?
Federal credit unions like Members 1st of Nj 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 of Nj's net worth ratio of 9.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members 1st of Nj offer compared to banks?
Credit unions like Members 1st of Nj 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 of Nj 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.