MEMBERS FIRST
Charter #67153 · Brigham City, UT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.68% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.94% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.29% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.05% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 55.50% ranks in the 3rd 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 FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $206.15M | 53th pct | 66th pct |
| Members | 13,576 | 52th pct | 56th pct |
| Net worth ratio | 14.68% | 83th pct | 84th pct |
| Return on average assets | 1.94% | 95th pct | 95th pct |
| Net interest margin | 3.57% | 45th pct | 31th pct |
| Cost of funds | 1.27% | 54th pct | 66th pct |
| Loan-to-share | 56.75% | 21th pct | 31th pct |
| Delinquency 60+ days | 0.29% | 21th pct | 8th pct |
| Net charge-off ratio | 0.05% | 12th pct | 0th pct |
| Loan growth YoY | 4.43% | 84th pct | 90th pct |
| Share growth YoY | 4.05% | 58th pct | 48th pct |
| Efficiency ratio | 55.50% | 5th pct | 3th pct |
structural peer set hash: 86b82452c3f83e73a63f53eee14d5335… (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.