State credit union · Decatur, Georgia · NCUA charter #67538
MEMBERSFIRST
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $416.7M
- Total assets
- 25,930
- Members
- 11.5%
- Net-worth ratio
MEMBERSFIRST scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $416.7M; members 25,930; net-worth ratio 11.50%; health rank #1,814 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,814 of 4,374 health · 2025Q4MEMBERSFIRST · health 86/100 · $416.7M · 2025Q4
Call Report peers
MEMBERSFIRST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MEMBERSFIRST vs every NCUA-scored credit union
MEMBERSFIRST sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
MEMBERSFIRST: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 78.14% here, 72.20% peer average (+5.94 pp).
- Net Worth Ratio trails the peer set - 11.50% here, 12.11% peer average (-0.61 pp).
MEMBERSFIRST in Georgia
- Georgia health ordinal: #31 of 74.
- By total assets, MEMBERSFIRST is #16 of 74 in Georgia.
- Georgia membership ordinal: #15 of 74.
- One place up in Georgia, Omega Psi Phi Fraternity (#30) scores 87/100, 1 point higher; one place down, North Georgia (#32) scores 85/100, 1 point lower.
MEMBERSFIRST Call Report trajectory
MEMBERSFIRST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $416.7M (2025Q4) to $429.1M (2026Q1).
- Net-worth ratio shifted -0.16 pp (11.66% → 11.50%).
At 11.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
MEMBERSFIRST gives up 14 points in total. Member Growth costs the most, 14.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.9 pts
- Loan-to-Share Ratio 15.1 pts
MEMBERSFIRST vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.50% | -0.61 pp |
| Delinquency Rate | 0.30% | -0.59 pp |
| Return on Assets | 0.81% | +0.19 pp |
| Member Growth | -4.48% | - |
| Loan-to-Share Ratio | 78.14% | +5.94 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
MEMBERSFIRST quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $429.1M | - |
| 2025Q4 | $416.7M | 25,930 |
| 2024Q4 | $418.6M | 27,146 |
| 2023Q4 | $394.8M | 28,688 |
Credit Union Details
- Charter Number
- 67538
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Georgia
- City
- Decatur
- Data Quarter
- 2025Q4
Branch Locations (14)
MEMBERSFIRST operates 14 offices across 11 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Decatur, GA |
| Piedmont Hospital Atlanta | Atlanta, GA |
| Wellstar Cobb Hospital | Austell, GA |
| Dekalb Medical Center | Decatur, GA |
| Douglasville | Douglasville, GA |
| Woodville-Tompkins High School | Garden City, GA |
| Hiram | Hiram, GA |
| Hiram High School | Hiram, GA |
| Wellstar Kennestone Hospital | Marietta, GA |
| Piedmont Hospital Newnan | Newnan, GA |
| Pooler GA | Pooler, GA |
| Sandy Springs | Sandy Springs, GA |
| Savannah | Savannah, GA |
| Savannah State University Branch | Savannah, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
MEMBERSFIRST nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- MEMBERSFIRST ranks #1,814 of 4,374 nationally on financial health and #31 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUTHEASTERN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUTHEASTERN
Frequently Asked Questions
Is MEMBERSFIRST financially healthy?
MEMBERSFIRST has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,814 of 4,374 nationally on health and #31 of 74 in Georgia. Its net worth ratio is 11.50% and its delinquency rate 0.30%.
How does MEMBERSFIRST compare to other credit unions?
MEMBERSFIRST scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.14% vs 72.20%). Its widest shortfall is net worth ratio (11.50% vs 12.11%).
How can I join MEMBERSFIRST?
Membership eligibility for MEMBERSFIRST depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MEMBERSFIRST directly for current membership requirements and application steps.
Is my money safe at MEMBERSFIRST?
MEMBERSFIRST 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. MEMBERSFIRST's net worth ratio of 11.50% 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.