MEMBERS 1ST
Charter #67770 · Saint Louis, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- On Cost of funds, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 51st — 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 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $75.04M | 58th pct | 48th pct |
| Members | 4,190 | 32th pct | 39th pct |
| Net worth ratio | 9.70% | 17th pct | 38th pct |
| Return on average assets | 0.68% | 48th pct | 51th pct |
| Net interest margin | 3.54% | 41th pct | 46th pct |
| Cost of funds | 1.41% | 76th pct | 51th pct |
| Loan-to-share | 72.83% | 73th pct | 51th pct |
| Delinquency 60+ days | 0.21% | 21th pct | 28th pct |
| Net charge-off ratio | 0.19% | 44th pct | 61th pct |
| Loan growth YoY | 10.22% | 98th pct | 98th pct |
| Share growth YoY | 5.39% | 77th pct | 74th pct |
| Efficiency ratio | 81.90% | 56th pct | 44th pct |
structural peer set hash: 8bfcf2f7a225fc1e4b728fcb80925df4… (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.