MEMBERSFIRST
Charter #67538 · Decatur, GA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.96% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.18% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.12% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 74th — a 17-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 | MEMBERSFIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $429.10M | 93th pct | 89th pct |
| Members | 26,800 | 91th pct | 74th pct |
| Net worth ratio | 11.50% | 51th pct | 56th pct |
| Return on average assets | 0.72% | 51th pct | 43th pct |
| Net interest margin | 2.96% | 13th pct | 3th pct |
| Cost of funds | 0.18% | 9th pct | 16th pct |
| Loan-to-share | 76.20% | 58th pct | 46th pct |
| Delinquency 60+ days | 0.12% | 8th pct | 3th pct |
| Net charge-off ratio | 0.20% | 31th pct | 28th pct |
| Loan growth YoY | 4.05% | 82th pct | 79th pct |
| Share growth YoY | 3.42% | 49th pct | 33th pct |
| Efficiency ratio | 78.51% | 50th pct | 48th pct |
structural peer set hash: f22d539a1d21cd76b2f080a477930355… (reproducible)
Closest structural peers
This is the free public view
Claim MEMBERSFIRST
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.