Members 1st

Brattleboro, VT · 2 · Charter #63899 · www.members1cu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$22.8M
67th percentile
Members
2,117
69th percentile
Total loans
$15.3M
79th percentile
Total shares
$20.7M
70th percentile

Profitability

Return on assets
0.35%
29th percentile
Net interest margin
3.69%
39th percentile
Efficiency ratio
64.49%
55th percentile
Non-interest income ratio
14.62%
68th percentile

Capital & Risk

Net worth ratio
9.13%
10th percentile
Delinquency rate
2.70%
17th percentile
Net charge-off rate
0.14%
57th percentile
Loan-to-share
74.23%
69th percentile

Growth

Member growth YoY
-0.19%
64th percentile
Asset growth YoY
7.77%
87th percentile
Loan growth YoY
0.54%
65th percentile
Share growth YoY
8.18%
87th percentile

Operations

Members / branch
1,059
49th percentile
Assets / member
$10,786
63th percentile
Field of membership penetration
70.57%
85th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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