Federal credit union · Meriden, Connecticut · NCUA charter #1049
Membersfirst Ct
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $104.8M
- Total assets
- 6,168
- Members
- 11.7%
- Net-worth ratio
Membersfirst Ct scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $104.8M; members 6,168; net-worth ratio 11.69%; health rank #1,278 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,278 of 4,374 health · 2025Q4Membersfirst Ct · health 89/100 · $104.8M · 2025Q4
- NCUSIF 89/100
- CAMELS 11.7%
- HEALTH 0.31%
- NW 0.73%
- DELQ $104.8M
- ROA 6,168
- ASSETS #1,278/4,374
- MEM Raritan Bay
- RANK 1049
Call Report peers
Membersfirst Ct in the assets neighbourhood
Membersfirst Ct's $104.8M assets sit next to Raritan Bay ($104.8M) 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.
Membersfirst Ct 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
89 Top 31% higher than 69% 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 Ct - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1049 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Membersfirst Ct
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.58 pp (0.31% vs 0.89%).
- Loan-to-Share Ratio trails the peer set - 47.06% here, 72.20% peer average (-25.14 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Membersfirst Ct: in-state Call Report ranks
- Connecticut health ordinal: #14 of 64.
- Assets rank #20 of 64 inside Connecticut ($104.8M reported).
- Connecticut membership ordinal: #24 of 64.
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Membersfirst Ct Call Report trajectory
Membersfirst Ct: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $104.8M (2025Q4) to $107.5M (2026Q1).
- Net-worth ratio shifted -0.14 pp (11.83% → 11.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.69% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 9.9 pts
Call Report ratios for Membersfirst Ct
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.69% | -0.42 pp |
| Delinquency Rate | 0.31% | -0.58 pp |
| Return on Assets | 0.73% | +0.10 pp |
| Member Growth | 0.11% | - |
| Loan-to-Share Ratio | 47.06% | -25.14 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).
Membersfirst Ct quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $107.5M | - |
| 2025Q4 | $104.8M | 6,168 |
| 2024Q4 | $101.5M | 6,161 |
| 2023Q4 | $101.3M | 6,161 |
Credit Union Details
- Charter Number
- 1049
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Connecticut
- City
- Meriden
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Membersfirst Ct, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Meriden, CT |
| Maloney HS Branch | Meriden, CT |
| Platt High School | Meriden, CT |
| Wallingford Branch | Wallingford, CT |
| Wallingford Branch | Wallingford, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
More federally-insured credit unions based in Connecticut, ordered by peer group match and asset size.
Cross-state Call Report peers for Membersfirst Ct
Cross-state asset and health neighbours for Membersfirst Ct - kept outside Connecticut; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($104.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Membersfirst Ct ranks #1,278 of 4,374 nationally on financial health and #14 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- America's First Network is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with America's First Network
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 Membersfirst Ct financially healthy?
Membersfirst Ct has a financial health score of 89/100 (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 #1,278 of 4,374; by total assets it ranks #1,787 of 4,374 nationally (same basis as /rankings/largest); and #20 of 64 within Connecticut. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.69% and delinquency rate of 0.31%.
How does Membersfirst Ct compare to other credit unions?
On PlainCU's health composite, Membersfirst Ct lands at 89/100, 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 Membersfirst Ct?
Membersfirst Ct 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 Membersfirst Ct directly for the exact boundaries and application steps.
Is my money safe at Membersfirst Ct?
Federal credit unions like Membersfirst Ct 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. Membersfirst Ct's net worth ratio of 11.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Membersfirst Ct offer compared to banks?
Credit unions like Membersfirst Ct 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 Membersfirst Ct 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.