State credit union · Muscatine, Iowa · NCUA charter #62683
Members Community
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $95.2M
- Total assets
- 8,055
- Members
- 12.2%
- Net-worth ratio
Members Community scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $95.2M; members 8,055; net-worth ratio 12.24%; health rank #503 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#503 of 4,374 health · 2025Q4Members Community · health 94/100 · $95.2M · 2025Q4
Call Report peers
Members Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Members Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Members Community sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
Where Members Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 78.30% here, 62.60% peer average (+15.70 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.38 pp (12.24% vs 13.62%).
Members Community in Iowa
- In Iowa, health place is #9 of 66 on the same NCUA-ratio sort used nationally.
- Iowa assets place: #30 of 66.
- Iowa membership ordinal: #26 of 66.
- One place up in Iowa, Lee County (#8) ties at 94/100; one place down, 1st Gateway (#10) scores 93/100, 1 point lower.
Members Community Call Report trajectory
Members Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $95.2M (2025Q4) to $98.5M (2026Q1).
- Net-worth ratio shifted -0.13 pp (12.37% → 12.24%).
At 12.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Members Community gives up 6 points in total. Member Growth costs the most, 5.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.24% | -1.38 pp |
| Delinquency Rate | 0.10% | -0.86 pp |
| Return on Assets | 1.03% | +0.37 pp |
| Member Growth | 0.22% | - |
| Loan-to-Share Ratio | 78.30% | +15.70 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $98.5M | - |
| 2025Q4 | $95.2M | 8,055 |
| 2024Q4 | $92.5M | 8,037 |
| 2023Q4 | $82.4M | 7,975 |
Credit Union Details
- Charter Number
- 62683
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Iowa
- City
- Muscatine
- Data Quarter
- 2025Q4
Branch Locations (2)
Members Community operates 2 offices in Muscatine, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Colorado Street (Main Office) | Muscatine, IA |
| Cedar St | Muscatine, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Cross-state Call Report peers for Members Community
Using this data
- Members Community ranks #503 of 4,374 nationally on financial health and #9 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Class Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Class Community
Frequently Asked Questions
Is Members Community financially healthy?
Members Community has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #503 of 4,374 nationally on health and #9 of 66 in Iowa. Its net worth ratio is 12.24% and its delinquency rate 0.10%.
How does Members Community compare to other credit unions?
Members Community scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (78.30% vs 62.60%). Its widest shortfall is net worth ratio (12.24% vs 13.62%).
How can I join Members Community?
Membership eligibility for Members Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members Community directly for current membership requirements and application steps.
Is my money safe at Members Community?
Members Community 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 Community's net worth ratio of 12.24% 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.