State credit union · Pensacola, Florida · NCUA charter #61160
Members First Credit Union of Flori
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $310.4M
- Total assets
- 19,333
- Members
- 15.1%
- Net-worth ratio
Members First Credit Union of Flori scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $310.4M; members 19,333; net-worth ratio 15.08%; health rank #1,599 of 4,374; healthier than 60th of scored peers.
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NCUA 5300 Call Report Masthead
#1,599 of 4,374 health · 2025Q4Members First · health 87/100 · $310.4M · 2025Q4
Call Report peers
Members First Credit Union of Flori 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 Credit Union of Flori vs every NCUA-scored credit union
Members First Credit Union of Flori 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
Members First Credit Union of Flori vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 15.08% vs peer 12.11% (+2.97 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.33 pp (51.87% vs 72.20%).
Florida standing for Members First Credit Union of Flori
- Health composite ranks #51 of 109 among scored Florida credit unions.
- Assets rank #43 of 109 inside Florida ($310.4M reported).
- Florida membership ordinal: #45 of 109.
- One place up in Florida, SUN (#50) scores 88/100, 1 point higher; one place down, Usf Federal Credit Union (#52) ties at 87/100.
Members First Credit Union of Flori Call Report trajectory
Members First Credit Union of Flori: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $310.4M (2025Q4) to $314.4M (2026Q1).
- Net-worth ratio shifted +0.27 pp (14.81% → 15.08%).
At 15.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Members First Credit Union of Flori gives up 13 points in total. Member Growth costs the most, 8.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 10.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.08% | +2.97 pp |
| Delinquency Rate | 0.37% | -0.53 pp |
| Return on Assets | 1.26% | +0.64 pp |
| Member Growth | -1.56% | - |
| Loan-to-Share Ratio | 51.87% | -20.33 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $314.4M | - |
| 2025Q4 | $310.4M | 19,333 |
| 2024Q4 | $293.1M | 19,639 |
| 2023Q4 | $286.8M | 20,243 |
Credit Union Details
- Charter Number
- 61160
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Pensacola
- Data Quarter
- 2025Q4
Branch Locations (7)
Members First Credit Union of Flori operates 7 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Garden Street Branch and Operations Center (Main Office) | Pensacola, FL |
| Hwy. 90 Branch | Pace, FL |
| Airport Blvd, Branch | Pensacola, FL |
| Fairfield Drive Branch | Pensacola, FL |
| 9th Avenue Branch | Pensacola, FL |
| Booker T. Washington High School Branch | Pensacola, FL |
| Nine Mile Road Branch | Pensacola, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Cross-state Call Report peers for Members First
Using this data
- Members First Credit Union of Flori ranks #1,599 of 4,374 nationally on financial health and #51 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HARVESTERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HARVESTERS
Frequently Asked Questions
Is Members First Credit Union of Flori financially healthy?
Members First Credit Union of Flori has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,599 of 4,374 nationally on health and #51 of 109 in Florida. Its net worth ratio is 15.08% and its delinquency rate 0.37%.
How does Members First Credit Union of Flori compare to other credit unions?
Members First Credit Union of Flori 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 (15.08% vs 12.11%). Its widest shortfall is loan-to-share ratio (51.87% vs 72.20%).
How can I join Members First Credit Union of Flori?
Membership eligibility for Members First Credit Union of Flori 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 Credit Union of Flori directly for current membership requirements and application steps.
Is my money safe at Members First Credit Union of Flori?
Members First Credit Union of Flori 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 Credit Union of Flori's net worth ratio of 15.08% 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.