State credit union · Corpus Christi, Texas · NCUA charter #67658
Members First
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $186.9M
- Total assets
- 12,631
- Members
- 22.6%
- Net-worth ratio
Members First scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $186.9M; members 12,631; net-worth ratio 22.62%; health rank #1,551 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,551 of 4,374 health · 2025Q4Members First · health 87/100 · $186.9M · 2025Q4
Call Report peers
Members First in the assets neighbourhood
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
Members First sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Where Members First diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +10.51 pp (22.62% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 49.55% vs peer 72.20% (-22.65 pp).
Texas standing for Members First
- In Texas, health place is #145 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Members First is #110 of 386 in Texas.
- Texas membership ordinal: #111 of 386.
- One place up in Texas, WELLSPRING (#144) scores 88/100, 1 point higher; one place down, Northeast Panhandle Teachers (#146) ties at 87/100.
Quarter path for Members First
Members First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $186.9M (2025Q4) to $190.7M (2026Q1).
- Net-worth ratio shifted -0.19 pp (22.81% → 22.62%).
22.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Members First gives up 13 points in total. Member Growth costs the most, 6.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.62% | +10.51 pp |
| Delinquency Rate | 0.68% | -0.21 pp |
| Return on Assets | 1.27% | +0.64 pp |
| Member Growth | -0.46% | - |
| Loan-to-Share Ratio | 49.55% | -22.65 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $190.7M | - |
| 2025Q4 | $186.9M | 12,631 |
| 2024Q4 | $180.8M | 12,689 |
| 2023Q4 | $175.2M | 12,543 |
Credit Union Details
- Charter Number
- 67658
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Corpus Christi
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Members First, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Corpus Christi, TX |
| SPID Branch | Corpus Christi, TX |
| Violet Branch | Corpus Christi, TX |
| Harlingen Branch | Harlingen, TX |
| CMC Flex | Sandy, UT |
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.
Cross-state Call Report peers for Members First
Similar total assets
Using this data
- Members First ranks #1,551 of 4,374 nationally on financial health and #145 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Government Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Government Employees
Frequently Asked Questions
Is Members First financially healthy?
On its 2025Q4 NCUA 5300 filing, Members First scores 87/100 (Excellent), with a 22.62% net worth ratio and 0.68% of loans delinquent. It ranks #1,551 of 4,374 nationally on health and #145 of 386 in Texas.
How does Members First compare to other credit unions?
Members First scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (22.62% vs 12.11%). Its widest shortfall is loan-to-share ratio (49.55% vs 72.20%).
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?
Members First is a state-chartered 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 First's net worth ratio of 22.62% 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.