State credit union · Lincoln, Nebraska · NCUA charter #66268
MEMBERSOWN
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $107.5M
- Total assets
- 8,959
- Members
- 13.6%
- Net-worth ratio
MEMBERSOWN scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $107.5M; members 8,959; net-worth ratio 13.59%; health rank #2,094 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MEMBERSOWN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MEMBERSOWN 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 MEMBERSOWN
- Loan-to-Share Ratio leads the peer set - 74.19% here, 72.20% peer average (+1.99 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.57 pp (1.46% vs 0.89%).
MEMBERSOWN in Nebraska
- Health composite ranks #22 of 50 among scored Nebraska credit unions.
- Assets rank #15 of 50 inside Nebraska ($107.5M reported).
- Nebraska membership ordinal: #13 of 50.
- One place up in Nebraska, Omaha Firefighters (#21) ties at 84/100; one place down, Local 265 Ibew (#23) ties at 84/100.
How MEMBERSOWN's 5300 filing moved
MEMBERSOWN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $107.5M (2025Q4) to $111.3M (2026Q1).
- Net-worth ratio shifted -0.20 pp (13.79% → 13.59%).
This credit union's 13.59% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
MEMBERSOWN gives up 16 points in total. Delinquency Rate costs the most, 8.5 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.5 pts
- Return on Assets 15.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.59% | +1.48 pp |
| Delinquency Rate | 1.46% | +0.57 pp |
| Return on Assets | 1.02% | +0.39 pp |
| Member Growth | -0.84% | - |
| Loan-to-Share Ratio | 74.19% | +1.99 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
MEMBERSOWN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $111.3M | - |
| 2025Q4 | $107.5M | 8,959 |
| 2024Q4 | $109.2M | 9,035 |
| 2023Q4 | $112.9M | 8,953 |
Credit Union Details
- Charter Number
- 66268
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Nebraska
- City
- Lincoln
- Data Quarter
- 2025Q4
Branch Locations (2)
MEMBERSOWN operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lincoln (Main Office) | Lincoln, NE |
| Beatrice | Beatrice, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
A look at other Nebraska credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for MEMBERSOWN
Using this data
- MEMBERSOWN ranks #2,094 of 4,374 nationally on financial health and #22 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ONENEBRASKA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ONENEBRASKA
Frequently Asked Questions
Is MEMBERSOWN financially healthy?
MEMBERSOWN has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,094 of 4,374 nationally on health and #22 of 50 in Nebraska. Its net worth ratio is 13.59% and its delinquency rate 1.46%.
How does MEMBERSOWN compare to other credit unions?
MEMBERSOWN scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.19% vs 72.20%). Its widest shortfall is delinquency rate (1.46% vs 0.89%).
How can I join MEMBERSOWN?
Membership eligibility for MEMBERSOWN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MEMBERSOWN directly for current membership requirements and application steps.
Is my money safe at MEMBERSOWN?
MEMBERSOWN 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. MEMBERSOWN's net worth ratio of 13.59% 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.