Members 1st

Saint Louis, MO · 2 · Charter #67770 · www.me1stcu.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
$73.9M
25th percentile
Members
4,206
16th percentile
Total loans
$45.8M
35th percentile
Total shares
$65.2M
28th percentile

Profitability

Return on assets
0.96%
45th percentile
Net interest margin
3.34%
33th percentile
Efficiency ratio
56.09%
69th percentile
Non-interest income ratio
11.76%
24th percentile

Capital & Risk

Net worth ratio
9.68%
19th percentile
Delinquency rate
0.36%
75th percentile
Net charge-off rate
0.07%
89th percentile
Loan-to-share
70.20%
54th percentile

Growth

Member growth YoY
-0.33%
53th percentile
Asset growth YoY
7.20%
77th percentile
Loan growth YoY
7.18%
79th percentile
Share growth YoY
7.53%
79th percentile

Operations

Members / branch
2,103
24th percentile
Assets / member
$17,564
74th percentile
Field of membership penetration
0.21%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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