State credit union · Lincoln, Nebraska · NCUA charter #66268
Membersown
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $107.5M
- Total assets
- 8,959
- Members
- 13.8%
- Net-worth ratio
Membersown - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66268, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Membersown - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)66
- Earnings (ROA)100
- Member growth50
- Liquidity (loan-to-share)100
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.79% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.79% | 30% |
| Delinquency Rate | 1.46% | 25% |
| Return on Assets | 1.02% | 15% |
| Member Growth | -0.84% | 15% |
| Loan-to-Share Ratio | 74.19% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Membersown
Headquartered in Lincoln, Nebraska, Membersown is a state credit union with 8,959 members, $107.5M in total assets, and $69.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 84/100 (Excellent), driven in part by a net worth ratio of 13.79% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #66268 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.46% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 74.19% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.02% on net income of $1.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.84%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Membersown financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Membersown carries a financial health score of 84/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.79% net worth ratio and a 1.46% delinquency rate.
How does Membersown compare to other credit unions?
84/100 is Membersown's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Membersown 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. Membersown's net worth ratio of 13.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Membersown offer compared to banks?
Credit unions like Membersown 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 Membersown directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.