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
- HEALTH 83/100
- NW 21.0%
- DELQ 0.30%
- ROA 1.22%
- ASSETS $140.2M
- MEM 11,802
- RANK #2,210/4,374
- PHOTO United Business & Industry
- BOOK 24952
Call Report peers
Members Exchange in the assets neighbourhood
Members Exchange's $140.2M assets sit next to United Business & Industry ($140.2M) 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 Exchange 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
83 46th percentile higher than 46% 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 Exchange - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24952, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Members Exchange: 2025Q4 → 2026Q1
Members Exchange: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $140.2M (2025Q4) to $143.5M (2026Q1).
- Net-worth ratio shifted -0.32 pp (21.35% → 21.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
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).
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
Cross-state asset and health neighbours for Members Exchange - kept outside Mississippi; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($140.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi 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 Exchange financially healthy?
A 21.03% net worth ratio and a 0.30% delinquency rate feed into Members Exchange's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,210 of 4,374; by total assets it ranks #1,542 of 4,374 nationally (same basis as /rankings/largest); and #11 of 55 within Mississippi. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Members Exchange compare to other credit unions?
PlainCU's health composite puts Members Exchange at 83/100, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like Members Exchange 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 Exchange's net worth ratio of 21.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members Exchange offer compared to banks?
Credit unions like Members Exchange 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 Exchange 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.