MEMBERS FIRST
Charter #67658 · Corpus Christi, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.62% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.25% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.09% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 72nd — 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 FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $190.72M | 48th pct | 70th pct |
| Members | 12,657 | 47th pct | 72th pct |
| Net worth ratio | 22.62% | 99th pct | 93th pct |
| Return on average assets | 1.07% | 73th pct | 56th pct |
| Net interest margin | 3.25% | 25th pct | 25th pct |
| Cost of funds | 0.09% | 6th pct | 7th pct |
| Loan-to-share | 47.47% | 9th pct | 31th pct |
| Delinquency 60+ days | 0.76% | 62th pct | 54th pct |
| Net charge-off ratio | 0.45% | 58th pct | 49th pct |
| Loan growth YoY | -2.39% | 22th pct | 43th pct |
| Share growth YoY | 2.28% | 31th pct | 25th pct |
| Efficiency ratio | 67.41% | 20th pct | 36th pct |
structural peer set hash: 0d5e5f41d320244ee5b2777b6c0c77df… (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.