Members 1st Credit Union Saint Louis, Missouri
Members 1st Credit Union is a state-chartered credit union headquartered in Saint Louis, MO, established in 1951 (NCUA charter 67770), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,166 members and total assets of $76.5M (up 8.0% from Q2 2025), the 37th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 9.76% at Q2 2026, in the well capitalized band.
Also written as Members 1st CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67770
- Headquarters
- Saint Louis, MO
- Established
- 1951
- Total assets, Q2 2026
- $76.5M
- Assets vs Q2 2025
- +8.0%
- Members, Q2 2026
- 4,166
- Net worth ratio, Q2 2026
- 9.76%
- Latest call report
- Q2 2026, NCUA 5300 · Members 1st Credit Union call report
- Asset rank in state
- 37th of 85 in Missouri
- Routing number
- 281081246
- Branches
- 2
It has 74 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was up 0.14 percentage points from 9.62% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $31.4M of $49.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.76% net worth ratio is below that band's 14.31% median.
Credit unions merged into Members 1st Credit Union
Jeffco Credit Union (2015)
Frequently asked about Members 1st Credit Union
How big is Members 1st Credit Union?
At Q2 2026 it reported total assets of $76.5M and 4,166 members.
Where is Members 1st Credit Union headquartered?
It is headquartered in Saint Louis, MO, United States.
When was Members 1st Credit Union founded?
It was established in 1951, per NCUA records.
Is Members 1st Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67770): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Members 1st Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Members 1st Credit Union well capitalized?
Its net worth ratio was 9.76% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Members 1st Credit Union's delinquency ratio?
Its delinquency ratio was 0.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Members 1st Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 73.00% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Louis, MO 63128
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 67770
- RSSD ID
- 157191
- Members
- 4,166
- Potential members
- 2,017,358
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.76% | 14.31% | 14th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.94% | 0.72% | 60th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.68% | 4.74% | 79th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.51% | 3.93% | 33rd below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 73.73% | 79.83% | 63rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.26% | 0.78% | 24th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.24% | 0.86% | 82nd top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.78% | 4.70% | 53rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 73.00% | 58.92% | 71st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$76.5M total assets against $70.8M; $67.6M total shares and deposits against $62.4M; $49.3M total loans against $42.9M.
$7.5M net worth against $6.8M.
9.76% net worth ratio against 9.62%.
73.00% loan-to-share ratio against 68.71%.
0.24% delinquency ratio against 0.22%.
0.94% return on assets against 1.11%; 9.68% return on equity against 11.55%.
3.51% net interest margin against 3.40%.
4,166 members against 4,240.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.76% | 0.94% | 0.24% | 73.00% |
| March 31, 2026 | 9.70% | 0.67% | 0.21% | 72.83% |
| December 31, 2025 | 9.68% | 0.98% | 0.36% | 70.20% |
| September 30, 2025 | 9.75% | 0.96% | 0.37% | 69.64% |
| June 30, 2025 | 9.62% | 1.11% | 0.22% | 68.71% |
| March 31, 2025 | 9.53% | 1.05% | 0.04% | 71.09% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.