Federal credit union · Jackson, Mississippi · NCUA charter #24952
Members Exchange
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $140.2M
- Total assets
- 11,802
- Members
- 21.0%
- Net-worth ratio
Members Exchange scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $140.2M; members 11,802; net-worth ratio 21.03%; health rank #2,210 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,210 of 4,374 health · 2025Q4Members Exchange · health 83/100 · $140.2M · 2025Q4
Call Report peers
Members Exchange in the assets neighbourhood
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Members Exchange vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Members Exchange sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Members Exchange diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 21.03% vs peer 12.11% (+8.92 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.16 pp (59.04% vs 72.20%).
Mississippi standing for Members Exchange
- Mississippi health ordinal: #26 of 55.
- By total assets, Members Exchange is #11 of 55 in Mississippi.
- Member book place in Mississippi: #12 of 55.
- One place up in Mississippi, Cm Members (#25) scores 85/100, 2 points higher; one place down, BRIGHTVIEW (#27) ties at 83/100.
Members Exchange: 2025Q4 → 2026Q1
Members Exchange: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $140.2M (2025Q4) to $143.5M (2026Q1).
- Net-worth ratio shifted -0.32 pp (21.35% → 21.03%).
This credit union's 21.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Members Exchange gives up 17 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for Members Exchange
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.03% | +8.92 pp |
| Delinquency Rate | 0.30% | -0.59 pp |
| Return on Assets | 1.22% | +0.60 pp |
| Member Growth | -5.58% | - |
| Loan-to-Share Ratio | 59.04% | -13.16 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Members Exchange
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $143.5M | - |
| 2025Q4 | $140.2M | 11,802 |
| 2024Q4 | $132.6M | 12,500 |
| 2023Q4 | $130.1M | 13,080 |
Credit Union Details
- Charter Number
- 24952
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- Jackson
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Members Exchange runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Branch - Marketridge (Main Office) | Ridgeland, MS |
| Branch - Byram | Byram, MS |
| Branch - Pearl | Pearl, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Members Exchange ranks #2,210 of 4,374 nationally on financial health and #26 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CENTURYFIRST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CENTURYFIRST
Frequently Asked Questions
Is Members Exchange financially healthy?
Members Exchange has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,210 of 4,374 nationally on health and #26 of 55 in Mississippi. Its net worth ratio is 21.03% and its delinquency rate 0.30%.
How does Members Exchange compare to other credit unions?
Members Exchange scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (21.03% vs 12.11%). Its widest shortfall is loan-to-share ratio (59.04% vs 72.20%).
How can I join Members Exchange?
Members Exchange 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 Exchange directly for the exact boundaries and application steps.
Is my money safe at Members Exchange?
Members Exchange is a federal 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 Exchange's net worth ratio of 21.03% 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.