Federal credit union · Midland, Texas · NCUA charter #4020
Members Financial
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $35.2M
- Total assets
- 3,301
- Members
- 9.3%
- Net-worth ratio
Members Financial scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.2M; members 3,301; net-worth ratio 9.31%; health rank #2,173 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,173 of 4,374 health · 2025Q4Members Financial · health 84/100 · $35.2M · 2025Q4
- NW 84/100
- DELQ 9.3%
- ROA 0.34%
- ASSETS 0.42%
- MEM $35.2M
- RANK 3,301
- PHOTO #2,173/4,374
- BOOK Union Trades
- CHARTER 4020
Call Report peers
Members Financial in the assets neighbourhood
Members Financial's $35.2M assets sit next to Union Trades ($35.2M) 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 Financial 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
84 Top 50% higher than 50% 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 Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4020: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Members Financial
- Loan-to-Share Ratio leads the peer set - 65.17% here, 59.80% peer average (+5.37 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.55 pp (9.31% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Members Financial in Texas
- Health composite ranks #196 of 386 among scored Texas credit unions.
- Assets rank #215 of 386 inside Texas ($35.2M reported).
- Membership ranks #208 of 386 among Texas CUs with a reported count (3,301 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Members Financial Call Report trajectory
Members Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $35.2M (2025Q4) to $35.7M (2026Q1).
- Net-worth ratio shifted -0.31 pp (9.62% → 9.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.9 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 14.1 pts
Members Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.31% | -5.55 pp |
| Delinquency Rate | 0.34% | -0.81 pp |
| Return on Assets | 0.42% | -0.28 pp |
| Member Growth | -3.48% | - |
| Loan-to-Share Ratio | 65.17% | +5.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Members Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.7M | - |
| 2025Q4 | $35.2M | 3,301 |
| 2024Q4 | $30.1M | 3,420 |
| 2023Q4 | $28.9M | 3,499 |
Credit Union Details
- Charter Number
- 4020
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Midland
- Data Quarter
- 2025Q4
Branch Location
Members Financial operates a single office in Midland, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Midland, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Members Financial nationwide neighbourhoods
Members Financial's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($35.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Members Financial ranks #2,173 of 4,374 nationally on financial health and #196 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Brazos Star is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Brazos Star
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Financial financially healthy?
Members Financial has a financial health score of 84/100 (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 #2,173 of 4,374; by total assets it ranks #2,713 of 4,374 nationally (same basis as /rankings/largest); and #215 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.31% and delinquency rate of 0.34%.
How does Members Financial compare to other credit unions?
On PlainCU's health composite, Members Financial lands at 84/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Financial?
Members Financial 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 Financial directly for the exact boundaries and application steps.
Is my money safe at Members Financial?
Federal credit unions like Members Financial 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 Financial's net worth ratio of 9.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members Financial offer compared to banks?
Credit unions like Members Financial 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 Financial 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.