Members First

Corpus Christi, TX · 2 · Charter #67658 · www.m1st.org
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
$186.9M
86th percentile
Members
12,631
82th percentile
Total loans
$70.1M
58th percentile
Total shares
$134.5M
75th percentile

Profitability

Return on assets
1.69%
84th percentile
Net interest margin
3.20%
26th percentile
Efficiency ratio
54.02%
75th percentile
Non-interest income ratio
26.39%
87th percentile

Capital & Risk

Net worth ratio
22.81%
97th percentile
Delinquency rate
0.68%
52th percentile
Net charge-off rate
0.57%
27th percentile
Loan-to-share
52.12%
22th percentile

Growth

Member growth YoY
-0.46%
52th percentile
Asset growth YoY
3.41%
46th percentile
Loan growth YoY
-2.69%
28th percentile
Share growth YoY
1.83%
36th percentile

Operations

Members / branch
3,158
51th percentile
Assets / member
$14,799
53th percentile
Field of membership penetration
3.51%
39th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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