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
- HEALTH 94/100
- NW 12.2%
- DELQ 0.10%
- ROA 1.03%
- ASSETS $95.2M
- MEM 8,055
- RANK #503/4,374
- PHOTO First Choice
- BOOK 62683
Call Report peers
Members Community in the assets neighbourhood
Members Community's $95.2M assets sit next to First Choice ($95.2M) 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 Community 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
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
Members Community - Share Insurance Coverage
Charter #62683'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 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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Members Community Call Report trajectory
Members Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $95.2M (2025Q4) to $98.5M (2026Q1).
- Net-worth ratio shifted -0.13 pp (12.37% → 12.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for Members Community - kept outside Iowa; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($95.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 Community financially healthy?
Members Community has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #503 of 4,374; by total assets it ranks #1,862 of 4,374 nationally (same basis as /rankings/largest); and #30 of 66 within Iowa. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.24% and delinquency rate of 0.10%.
How does Members Community compare to other credit unions?
PlainCU's health composite puts Members Community at 94/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Members Community 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 Community's net worth ratio of 12.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members Community offer compared to banks?
Credit unions like Members Community 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 Community 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.