MEMBERS 1ST
Charter #6694 · Enola, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 629,837 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.74% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.27% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.27% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 53.97% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
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 | $8.61B | 91th pct | 82th pct |
| Members | 629,837 | 96th pct | 90th pct |
| Net worth ratio | 14.74% | 92th pct | 95th pct |
| Return on average assets | 2.27% | 100th pct | 98th pct |
| Net interest margin | 4.27% | 94th pct | 90th pct |
| Cost of funds | 1.61% | 41th pct | 28th pct |
| Loan-to-share | 93.77% | 76th pct | 62th pct |
| Delinquency 60+ days | 0.72% | 60th pct | 46th pct |
| Net charge-off ratio | 0.52% | 50th pct | 26th pct |
| Loan growth YoY | -0.58% | 19th pct | 10th pct |
| Share growth YoY | 3.70% | 43th pct | 28th pct |
| Efficiency ratio | 53.97% | 4th pct | 2th pct |
structural peer set hash: f49a9e3b4999b74440b798238dff0941… (reproducible)
Closest structural peers
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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.