State credit union · Marshalltown, Iowa · NCUA charter #62918
Members1st Community
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $297.0M
- Total assets
- 17,629
- Members
- 9.4%
- Net-worth ratio
Members1st Community scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $297.0M; members 17,629; net-worth ratio 9.44%; health rank #1,158 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,158 of 4,374 health · 2025Q4Members1st Community · health 90/100 · $297.0M · 2025Q4
Call Report peers
Members1st Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Members1st Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Members1st Community sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Members1st Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 77.54% here, 72.20% peer average (+5.34 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.67 pp (9.44% vs 12.11%).
Where Members1st Community sits in Iowa
- Iowa health ordinal: #20 of 66.
- By total assets, Members1st Community is #12 of 66 in Iowa.
- Membership ranks #12 of 66 among Iowa CUs with a reported count (17,629 members).
- One place up in Iowa, ASCENTRA (#19) ties at 90/100; one place down, Financial Plus (#21) scores 89/100, 1 point lower.
Members1st Community Call Report trajectory
Members1st Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $297.0M (2025Q4) to $307.5M (2026Q1).
- Net-worth ratio shifted -0.33 pp (9.77% → 9.44%).
This credit union's 9.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Members1st Community gives up 10 points in total. Member Growth costs the most, 5.4 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 14.7 pts
Members1st Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.44% | -2.67 pp |
| Delinquency Rate | 0.79% | -0.11 pp |
| Return on Assets | 0.59% | -0.03 pp |
| Member Growth | 0.48% | - |
| Loan-to-Share Ratio | 77.54% | +5.34 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Members1st Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $307.5M | - |
| 2025Q4 | $297.0M | 17,629 |
| 2024Q4 | $271.1M | 17,545 |
| 2023Q4 | $260.9M | 17,265 |
Credit Union Details
- Charter Number
- 62918
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Marshalltown
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Members1st Community, spread across 6 cities.
| Office | City |
|---|---|
| Marshalltown Main Office (Main Office) | Marshalltown, IA |
| Ames Branch | Ames, IA |
| Administration Office | Ames, IA |
| Boone Branch | Boone, IA |
| Eldora Branch | Eldora, IA |
| Iowa Falls Branch | Iowa Falls, IA |
| JBS Branch | Marshalltown, IA |
| Traer Branch | Traer, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Members1st Community ranks #1,158 of 4,374 nationally on financial health and #20 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Citizens Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Citizens Community
Frequently Asked Questions
Is Members1st Community financially healthy?
Members1st Community has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,158 of 4,374 nationally on health and #20 of 66 in Iowa. Its net worth ratio is 9.44% and its delinquency rate 0.79%.
How does Members1st Community compare to other credit unions?
Members1st Community scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.54% vs 72.20%). Its widest shortfall is net worth ratio (9.44% vs 12.11%).
How can I join Members1st Community?
Membership eligibility for Members1st Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members1st Community directly for current membership requirements and application steps.
Is my money safe at Members1st Community?
Members1st Community 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. Members1st Community's net worth ratio of 9.44% 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.