MEMBERS TRUST
Charter #15874 · Mason, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.56% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.02% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.48% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.16% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 8th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MEMBERS TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.05M | 47th pct | 44th pct |
| Members | 3,121 | 78th pct | 69th pct |
| Net worth ratio | 18.56% | 80th pct | 82th pct |
| Return on average assets | 0.02% | 19th pct | 23th pct |
| Net interest margin | 3.48% | 33th pct | 8th pct |
| Cost of funds | 1.17% | 65th pct | 69th pct |
| Loan-to-share | 69.40% | 69th pct | 62th pct |
| Delinquency 60+ days | 0.16% | 27th pct | 16th pct |
| Net charge-off ratio | 0.93% | 84th pct | 74th pct |
| Loan growth YoY | -5.32% | 28th pct | 11th pct |
| Share growth YoY | 2.77% | 53th pct | 56th pct |
| Efficiency ratio | 89.28% | 72th pct | 70th pct |
structural peer set hash: 5100677befe87214e1f45f79d6ece678… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.