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
- PHOTO 84/100
- BOOK 18.6%
- CHARTER 0.58%
- NCUSIF 0.19%
- CAMELS $23.0M
- HEALTH 3,133
- NW #2,058/4,374
- DELQ Western Illinois School Employees
- ROA 15874
Call Report peers
Members Trust in the assets neighbourhood
Members Trust's $23.0M assets sit next to Western Illinois School Employees ($23.0M) 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 Trust 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
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
Members Trust - Share Insurance Coverage
Charter #15874's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Members Trust
Members Trust: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $23.0M (2025Q4) to $24.0M (2026Q1).
- Net-worth ratio shifted -0.83 pp (19.39% → 18.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Members Trust - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Trust financially healthy?
Members Trust has a financial health score of 84/100 (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 #2,058 of 4,374; by total assets it ranks #3,060 of 4,374 nationally (same basis as /rankings/largest); and #139 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.56% and delinquency rate of 0.58%.
How does Members Trust compare to other credit unions?
On PlainCU's health composite, Members Trust lands at 84/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Members Trust 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 Trust's net worth ratio of 18.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members Trust offer compared to banks?
Credit unions like Members Trust 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 Trust 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.