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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,599 of 4,374 health · 2025Q4Members First · health 87/100 · $310.4M · 2025Q4
- DELQ 87/100
- ROA 15.1%
- ASSETS 0.37%
- MEM 1.26%
- RANK $310.4M
- PHOTO 19,333
- BOOK #1,599/4,374
- CHARTER SECNY
- NCUSIF 61160
Call Report peers
Members First Credit Union of Flori in the assets neighbourhood
Members First Credit Union of Flori's $310.4M assets sit next to SECNY ($310.4M) 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 Credit Union of Flori 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
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
Members First Credit Union of Flori - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61160: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Members First Credit Union of Flori Call Report trajectory
Members First Credit Union of Flori: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $310.4M (2025Q4) to $314.4M (2026Q1).
- Net-worth ratio shifted +0.27 pp (14.81% → 15.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
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).
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
Members First Credit Union of Flori's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($310.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 Credit Union of Flori financially healthy?
Members First Credit Union of Flori has a financial health score of 87/100 (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 #1,599 of 4,374; by total assets it ranks #1,020 of 4,374 nationally (same basis as /rankings/largest); and #43 of 109 within Florida. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.08% and delinquency rate of 0.37%.
How does Members First Credit Union of Flori compare to other credit unions?
On PlainCU's health composite, Members First Credit Union of Flori lands at 87/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like Members First Credit Union of Flori 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 Credit Union of Flori's net worth ratio of 15.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members First Credit Union of Flori offer compared to banks?
Credit unions like Members First Credit Union of Flori 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 Credit Union of Flori 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.