State credit union · Brigham City, Utah · NCUA charter #67153
Members First
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $199.7M
- Total assets
- 13,652
- Members
- 14.7%
- Net-worth ratio
Members First scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $199.7M; members 13,652; net-worth ratio 14.68%; health rank #1,421 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,421 of 4,374 health · 2025Q4Members First · health 88/100 · $199.7M · 2025Q4
- BOOK 88/100
- CHARTER 14.7%
- NCUSIF 0.28%
- CAMELS 1.64%
- HEALTH $199.7M
- NW 13,652
- DELQ #1,421/4,374
- ROA SKY
- ASSETS 67153
Call Report peers
Members First in the assets neighbourhood
Members First's $199.7M assets sit next to SKY ($199.7M) 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
88 Top 35% higher than 65% 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
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67153. See our deposit-insurance coverage note.
Members First: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +2.57 pp (14.68% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 55.94% here, 72.20% peer average (-16.26 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Members First in Utah
- Health composite ranks #23 of 53 among scored Utah credit unions.
- By total assets, Members First is #17 of 53 in Utah.
- Membership ranks #16 of 53 among Utah CUs with a reported count (13,652 members).
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Members First
Members First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $199.7M (2025Q4) to $206.1M (2026Q1).
- Net-worth ratio shifted +0.02 pp (14.66% → 14.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.68% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 11.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.68% | +2.57 pp |
| Delinquency Rate | 0.28% | -0.61 pp |
| Return on Assets | 1.64% | +1.01 pp |
| Member Growth | -1.45% | - |
| Loan-to-Share Ratio | 55.94% | -16.26 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 First
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $206.1M | - |
| 2025Q4 | $199.7M | 13,652 |
| 2024Q4 | $184.3M | 13,853 |
| 2023Q4 | $172.6M | 13,851 |
Credit Union Details
- Charter Number
- 67153
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Utah
- City
- Brigham City
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Members First runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Brigham City, UT |
| Providence Office | Providence, UT |
| Tremonton Office | Tremonton, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
A look at other Utah credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Members First
Two NCUA Call Report peer sets for Members First, both outside Utah so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($199.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Members First ranks #1,421 of 4,374 nationally on financial health and #23 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Horizon Utah is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Horizon Utah
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah 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 88/100 (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 #1,421 of 4,374; by total assets it ranks #1,281 of 4,374 nationally (same basis as /rankings/largest); and #17 of 53 within Utah. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.68% and delinquency rate of 0.28%.
How does Members First compare to other credit unions?
PlainCU's health composite puts Members First at 88/100, 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 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 14.68% 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.