Federal credit union · Mason, Ohio · NCUA charter #15874
Members Trust
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $23.0M
- Total assets
- 3,133
- Members
- 18.6%
- Net-worth ratio
Members Trust scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.0M; members 3,133; net-worth ratio 18.56%; health rank #2,058 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,058 of 4,374 health · 2025Q4Members Trust · health 84/100 · $23.0M · 2025Q4
Call Report peers
Members Trust in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Members Trust vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Members Trust sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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
Peer-gap read for Members Trust
- Loan-to-Share Ratio leads the peer set - 76.81% here, 59.80% peer average (+17.01 pp).
- Widest shortfall vs peers is Return on Assets: -0.52 pp (0.19% vs 0.70%).
Members Trust in Ohio
- Ohio health ordinal: #91 of 196.
- Assets rank #139 of 196 inside Ohio ($23.0M reported).
- Ohio membership ordinal: #128 of 196.
- One place up in Ohio, BRIDGE (#90) scores 85/100, 1 point higher; one place down, Ytr Community (#92) ties at 84/100.
Quarter path for Members Trust
Members Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $23.0M (2025Q4) to $24.0M (2026Q1).
- Net-worth ratio shifted -0.83 pp (19.39% → 18.56%).
At 18.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Members Trust gives up 16 points in total. Member Growth costs the most, 10.4 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 10.3 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.56% | +3.70 pp |
| Delinquency Rate | 0.58% | -0.56 pp |
| Return on Assets | 0.19% | -0.52 pp |
| Member Growth | -2.43% | - |
| Loan-to-Share Ratio | 76.81% | +17.01 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Members Trust quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.0M | - |
| 2025Q4 | $23.0M | 3,133 |
| 2024Q4 | $24.4M | 3,211 |
| 2023Q4 | $26.1M | 3,313 |
Credit Union Details
- Charter Number
- 15874
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Mason
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Members Trust, spread across 3 cities in 3 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Mason, OH |
| CO-OP | Fort Worth, TX |
| McDonough Georgia Satellite Office | McDonough, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Cross-state Call Report peers for Members Trust
Similar total assets
Similar health score
Using this data
- Members Trust ranks #2,058 of 4,374 nationally on financial health and #91 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ashland Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ashland Community
Frequently Asked Questions
Is Members Trust financially healthy?
Members Trust has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,058 of 4,374 nationally on health and #91 of 196 in Ohio. Its net worth ratio is 18.56% and its delinquency rate 0.58%.
How does Members Trust compare to other credit unions?
Members Trust scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (76.81% vs 59.80%). Its widest shortfall is return on assets (0.19% vs 0.70%).
How can I join Members Trust?
Members Trust operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Members Trust directly for the exact boundaries and application steps.
Is my money safe at Members Trust?
Members Trust is a federal 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 Trust's net worth ratio of 18.56% 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.