Credit Union Safety Analysis
Is Members 1st Federal Credit Union Safe? Enola, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Members 1st Federal Credit Union has a net worth ratio of 15.13%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.73%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Members 1st Federal Credit Union's net worth ratio is 15.13%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.13%
- Delinquency ratio (60+ days) (Q2 2026): 0.73%
- Return on assets (Q2 2026): 2.54%
- Loan-to-share ratio (Q2 2026): 96.16%
Members 1st Federal Credit Union (NCUA charter 6694, established 1950) reported $8.66B in assets and 634,162 members for Q2 2026 from Enola, Pennsylvania. It ranks 3 of 269 credit unions in Pennsylvania by total assets. Total assets grew 4.5% from $8.29B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 14.74% for Q1 2026; 13.40% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.72% for Q1 2026; 0.90% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 2.23% for Q1 2026; 2.38% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 93.77% for Q1 2026; 95.50% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.33B
- 1- to 4-family residential and other consumer real estate loans: $2.09B
- Commercial loans: $1.14B
- New vehicle loans: $751.0M
- Unsecured credit card loans: $327.8M
- Other unsecured loans and lines of credit: $194.3M
- Other secured non-real estate loans and lines of credit: $107.7M
- Non-federally guaranteed student loans: $45.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.66B | 15.13% | 0.73% | 2.54% | 96.16% |
| March 31, 2026 | $8.61B | 14.74% | 0.72% | 2.23% | 93.77% |
| December 31, 2025 | $8.34B | 14.30% | 0.87% | 2.06% | 97.12% |
| September 30, 2025 | $8.26B | 13.90% | 0.86% | 2.34% | 97.81% |
| June 30, 2025 | $8.29B | 13.40% | 0.90% | 2.38% | 95.50% |
| March 31, 2025 | $8.31B | 13.07% | 0.74% | 1.95% | 92.71% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Members 1st Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6694) · FFIEC NIC profile (RSSD 934785)
Frequently asked questions
Is Members 1st Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Members 1st Federal Credit Union's net worth ratio is 15.13%, above the 7% NCUA threshold for well capitalized.
Is Members 1st Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Members 1st Federal Credit Union is a federally insured credit union (NCUA charter 6694): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Members 1st Federal Credit Union's key safety ratios?
For Q2 2026, Members 1st Federal Credit Union reports net worth 15.13%, delinquency 0.73%, ROA 2.54%, loan-to-share 96.16%.
What happens to my money if Members 1st Federal Credit Union fails?
For Q2 2026, Members 1st Federal Credit Union held $7.30B in shares and deposits for 634,162 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.