Members First

Brigham City, UT · 2 · Charter #67153 · www.memfirstcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$199.7M
89th percentile
Members
13,652
86th percentile
Total loans
$95.8M
74th percentile
Total shares
$171.2M
89th percentile

Profitability

Return on assets
1.90%
90th percentile
Net interest margin
3.25%
28th percentile
Efficiency ratio
42.27%
93th percentile
Non-interest income ratio
18.50%
57th percentile

Capital & Risk

Net worth ratio
14.66%
74th percentile
Delinquency rate
0.28%
81th percentile
Net charge-off rate
0.25%
59th percentile
Loan-to-share
55.94%
29th percentile

Growth

Member growth YoY
-1.45%
40th percentile
Asset growth YoY
8.32%
82th percentile
Loan growth YoY
4.01%
65th percentile
Share growth YoY
8.75%
84th percentile

Operations

Members / branch
4,551
78th percentile
Assets / member
$14,626
51th percentile
Field of membership penetration
10.11%
59th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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