State credit union · QUINCY, Illinois · NCUA charter #63368
Members First Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $104.8M
- Total assets
- 7,404
- Members
- 25.2%
- Net-worth ratio
Members First Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $104.8M; members 7,404; net-worth ratio 25.22%; health rank #559 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#559 of 4,374 health · 2025Q4Members First Community · health 93/100 · $104.8M · 2025Q4
- BOOK 93/100
- CHARTER 25.2%
- NCUSIF 0.14%
- CAMELS 1.74%
- HEALTH $104.8M
- NW 7,404
- DELQ #559/4,374
- ROA Membersfirst Ct
- ASSETS 63368
Call Report peers
Members First Community in the assets neighbourhood
Members First Community's $104.8M assets sit next to Membersfirst Ct ($104.8M) 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 Community 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
93 Top 16% higher than 84% 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 Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63368: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Members First Community
- Loan-to-Share Ratio leads the peer set - 101.07% here, 72.20% peer average (+28.87 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for Members First Community
- In Illinois, health place is #21 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, Members First Community is #53 of 192 in Illinois.
- Membership ranks #53 of 192 among Illinois CUs with a reported count (7,404 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Members First Community Call Report trajectory
Members First Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.2% from $104.8M (2025Q4) to $111.3M (2026Q1).
- Net-worth ratio shifted -0.91 pp (26.13% → 25.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 25.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 10.5 pts
Members First Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.22% | +13.11 pp |
| Delinquency Rate | 0.14% | -0.75 pp |
| Return on Assets | 1.74% | +1.11 pp |
| Member Growth | 2.89% | - |
| Loan-to-Share Ratio | 101.07% | +28.87 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).
Members First Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $111.3M | - |
| 2025Q4 | $104.8M | 7,404 |
| 2024Q4 | $95.6M | 7,196 |
| 2023Q4 | $90.0M | 7,189 |
Credit Union Details
- Charter Number
- 63368
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- QUINCY
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Members First Community.
| Office | City |
|---|---|
| 329 North 24th St (Main Office) | Quincy, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Members First Community's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($104.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Members First Community ranks #559 of 4,374 nationally on financial health and #21 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U. S. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U. S. Employees
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Members First Community carries a financial health score of 93/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #559 of 4,374; by total assets it ranks #1,786 of 4,374 nationally (same basis as /rankings/largest); and #53 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 25.22% net worth ratio and a 0.14% delinquency rate.
How does Members First Community compare to other credit unions?
PlainCU's health composite puts Members First Community at 93/100, 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 Community?
Membership eligibility for Members First Community 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 Community directly for current membership requirements and application steps.
Is my money safe at Members First Community?
Federal credit unions like Members First Community 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 Community's net worth ratio of 25.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members First Community offer compared to banks?
Credit unions like Members First Community 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 Community 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.