State credit union · Midland, Michigan · NCUA charter #62076
Members First
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $900.6M
- Total assets
- 67,490
- Members
- 8.9%
- Net-worth ratio
Members First scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $900.6M; members 67,490; net-worth ratio 8.92%; health rank #2,022 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,022 of 4,374 health · 2025Q4Members First · health 85/100 · $900.6M · 2025Q4
- CAMELS 85/100
- HEALTH 8.9%
- NW 1.14%
- DELQ 0.29%
- ROA $900.6M
- ASSETS 67,490
- MEM #2,022/4,374
- RANK QUALSTAR
- PHOTO 62076
Call Report peers
Members First in the assets neighbourhood
Members First's $900.6M assets sit next to QUALSTAR ($902.1M) 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 First 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
85 Top 46% higher than 54% 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 First - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62076 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Members First diverges from peer averages
- Widest shortfall vs peers is Net Worth Ratio: -2.26 pp (8.92% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Members First sits in Michigan
- Health composite ranks #101 of 171 among scored Michigan credit unions.
- Assets rank #32 of 171 inside Michigan ($900.6M reported).
- Member book place in Michigan: #25 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Members First's 5300 filing moved
Members First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $900.6M (2025Q4) to $904.1M (2026Q1).
- Net-worth ratio shifted -0.09 pp (9.01% → 8.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.92% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 27.3 pts
- Delinquency Rate 18.9 pts
- Return on Assets 11.8 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 14.9 pts
Members First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.92% | -2.26 pp |
| Delinquency Rate | 1.14% | +0.27 pp |
| Return on Assets | 0.29% | -0.22 pp |
| Member Growth | 2.62% | - |
| Loan-to-Share Ratio | 82.09% | -1.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Members First quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $904.1M | - |
| 2025Q4 | $900.6M | 67,490 |
| 2024Q4 | $850.6M | 65,769 |
| 2023Q4 | $827.7M | 63,656 |
Credit Union Details
- Charter Number
- 62076
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Midland
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, Members First runs 11 offices in 9 different cities.
| Office | City |
|---|---|
| Members First Credit Union - Wackerly (Main Office) | Midland, MI |
| Members First Credit Union-Clare Office | Clare, MI |
| Members First Credit Union-Evart Office | Evart, MI |
| Members First Credit Union- Gladwin Office | Gladwin, MI |
| Members First Credit Union - Kentwood Office | Grand Rapids, MI |
| Members First Credit Union-Harrison Office | Harrison, MI |
| Members First Credit Union - Jenison Office | Jenison, MI |
| Members First Credit Union - Dartmouth Office | Midland, MI |
| Members First Credit Union -Mt. Pleasant Bluegrass | Mt Pleasant, MI |
| Members First Credit Union-Mt Pleasant Broadway Office | Mt Pleasant, MI |
| Members First Credit Union - Saginaw | Saginaw, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Members First's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($900.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Members First ranks #2,022 of 4,374 nationally on financial health and #101 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arbor Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arbor Financial
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 First financially healthy?
Members First has a financial health score of 85/100 (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 #2,022 of 4,374; by total assets it ranks #511 of 4,374 nationally (same basis as /rankings/largest); and #32 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.92% and delinquency rate of 1.14%.
How does Members First compare to other credit unions?
Members First scores 85/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 First?
Membership eligibility for Members First depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members First directly for current membership requirements and application steps.
Is my money safe at Members First?
Federal credit unions like Members First 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 First's net worth ratio of 8.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members First offer compared to banks?
Credit unions like Members First 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 First 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.