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
Call Report peers
Members Financial in the assets neighbourhood
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Members Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Members Financial sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Texas, COMMUNITYAMERICA (#195) ties at 84/100; one place down, Wharton County Teachers (#197) scores 83/100, 1 point lower.
Members Financial Call Report trajectory
Members Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $35.2M (2025Q4) to $35.7M (2026Q1).
- Net-worth ratio shifted -0.31 pp (9.62% → 9.31%).
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
Members Financial gives up 16 points in total. Member Growth costs the most, 12.3 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Members Financial financially healthy?
Members Financial has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,173 of 4,374 nationally on health and #196 of 386 in Texas. Its net worth ratio is 9.31% and its delinquency rate 0.34%.
How does Members Financial compare to other credit unions?
Members Financial scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (65.17% vs 59.80%). Its widest shortfall is net worth ratio (9.31% vs 14.86%).
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?
Members Financial 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 Financial's net worth ratio of 9.31% 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.