Members 1st Federal Credit Union Enola, Pennsylvania
Members 1st Federal Credit Union is a federal credit union headquartered in Enola, PA, established in 1950 (NCUA charter 6694), and it is regulated and insured by the NCUA. At Q2 2026 it reported 634,162 members and total assets of $8.66B (up 4.5% from Q2 2025), the 3rd largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 15.13% at Q2 2026, in the well capitalized band.
Also written as Members 1st FCU
BankRegReports is independent of Members 1st Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 6694
- Headquarters
- Enola, PA
- Established
- 1950
- Total assets, Q2 2026
- $8.66B
- Assets vs Q2 2025
- +4.5%
- Members, Q2 2026
- 634,162
- Net worth ratio, Q2 2026
- 15.13%
- Latest call report
- Q2 2026, NCUA 5300 · Members 1st Federal Credit Union call report
- Asset rank in state
- 3rd of 269 in Pennsylvania
- Routing number
- 231382241
- Branches
- 61
It has 18,487 more members than on June 30, 2025 (+3.0%). Its net worth ratio was up 1.73 percentage points from 13.40% on June 30, 2025. Used vehicle loans are its largest loan category, $2.33B of $7.02B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.73% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 15.13% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Members 1st Federal Credit Union
How big is Members 1st Federal Credit Union?
At Q2 2026 it reported total assets of $8.66B and 634,162 members.
Where is Members 1st Federal Credit Union headquartered?
It is headquartered in Enola, PA, United States.
When was Members 1st Federal Credit Union founded?
It was established in 1950, per NCUA records.
Is Members 1st Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6694): 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 Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Members 1st Federal Credit Union well capitalized?
Its net worth ratio was 15.13% 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 Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.73% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Members 1st Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 96.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Enola, PA 17025
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 6694
- RSSD ID
- 934785
- Members
- 634,162
- Potential members
- 2,972,825
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 15.13% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 2.54% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 17.16% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.29% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 53.90% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.38% | 1.68% | 75th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.73% | 0.68% | 47th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.67% | 5.12% | 84th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 96.16% | 88.03% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$8.66B total assets against $8.29B; $7.30B total shares and deposits against $7.13B; $7.02B total loans against $6.81B.
$1.28B net worth against $1.10B.
15.13% net worth ratio against 13.40%.
96.16% loan-to-share ratio against 95.50%.
0.73% delinquency ratio against 0.90%.
2.54% return on assets against 2.38%; 17.16% return on equity against 17.96%.
4.29% net interest margin against 4.21%.
634,162 members against 615,675.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.13% | 2.54% | 0.73% | 96.16% |
| March 31, 2026 | 14.74% | 2.23% | 0.72% | 93.77% |
| December 31, 2025 | 14.30% | 2.06% | 0.87% | 97.12% |
| September 30, 2025 | 13.90% | 2.34% | 0.86% | 97.81% |
| June 30, 2025 | 13.40% | 2.38% | 0.90% | 95.50% |
| March 31, 2025 | 13.07% | 1.95% | 0.74% | 92.71% |
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.