MEMBERS 1ST
Charter #63899 · Brattleboro, VT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,111 sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.01% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.79% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.12% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 20th — a 30-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 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $23.17M | 44th pct | 23th pct |
| Members | 2,111 | 50th pct | 20th pct |
| Net worth ratio | 9.15% | 12th pct | 31th pct |
| Return on average assets | 0.60% | 47th pct | 57th pct |
| Net interest margin | 3.72% | 44th pct | 44th pct |
| Cost of funds | 2.01% | 90th pct | 98th pct |
| Loan-to-share | 72.14% | 73th pct | 74th pct |
| Delinquency 60+ days | 2.79% | 92th pct | 93th pct |
| Net charge-off ratio | -0.12% | 9th pct | 10th pct |
| Loan growth YoY | -1.89% | 54th pct | 33th pct |
| Share growth YoY | 3.09% | 57th pct | 61th pct |
| Efficiency ratio | 86.80% | 66th pct | 51th pct |
structural peer set hash: 4878e4d4d0a88af34593c1e23c77689a… (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.