Members Credit Union Winston Salem, North Carolina
Members Credit Union is a state-chartered credit union headquartered in Winston Salem, NC, established in 1953 (NCUA charter 60002), and it is regulated and insured by the NCUA. At Q2 2026 it reported 46,799 members and total assets of $477.1M (up 4.0% from Q2 2025), the 14th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 14.83% at Q2 2026, in the well capitalized band.
Also written as Members 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
- 60002
- Headquarters
- Winston Salem, NC
- Established
- 1953
- Total assets, Q2 2026
- $477.1M
- Assets vs Q2 2025
- +4.0%
- Members, Q2 2026
- 46,799
- Net worth ratio, Q2 2026
- 14.83%
- Latest call report
- Q2 2026, NCUA 5300 · Members Credit Union call report
- Asset rank in state
- 14th of 56 in North Carolina
- Routing number
- 253177793
- Branches
- 18
It has 866 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 0.41 percentage points from 14.42% on June 30, 2025. Used vehicle loans are its largest loan category, $115.3M of $187.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.82% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.83% net worth ratio is above that band's 11.43% median.
Credit unions merged into Members Credit Union
Piedmont Credit Union (2025) · Hanesbrands Credit Union (2019) · Bip Federal Credit Union (2016)
Frequently asked about Members Credit Union
How big is Members Credit Union?
At Q2 2026 it reported total assets of $477.1M and 46,799 members.
Where is Members Credit Union headquartered?
It is headquartered in Winston Salem, NC, United States.
When was Members Credit Union founded?
It was established in 1953, per NCUA records.
Is Members Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60002): 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 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 Credit Union well capitalized?
Its net worth ratio was 14.83% 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 Credit Union's delinquency ratio?
Its delinquency ratio was 0.82% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Members Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 46.48% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Winston Salem, NC 27103
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 60002
- RSSD ID
- 192491
- Members
- 46,799
- Potential members
- 125,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B 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 13.58% | 14.83% | 11.43% | 82nd top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.36% | 0.81% | 79th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.17% | 7.02% | 69th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.26% | 3.70% | 81st top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 64.62% | 76.55% | 82nd top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.74% | 1.24% | 84th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.82% | 0.68% | 42nd below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.00% | 4.92% | 55th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 46.48% | 75.66% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$477.1M total assets against $458.8M; $404.2M total shares and deposits against $390.6M; $187.9M total loans against $184.9M.
$70.8M net worth against $66.2M.
14.83% net worth ratio against 14.42%.
46.48% loan-to-share ratio against 47.32%.
0.82% delinquency ratio against 1.02%.
1.36% return on assets against 1.31%; 9.17% return on equity against 9.07%.
4.26% net interest margin against 4.27%.
46,799 members against 47,665.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.83% | 1.36% | 0.82% | 46.48% |
| March 31, 2026 | 14.35% | 0.75% | 0.95% | 45.27% |
| December 31, 2025 | 14.82% | 0.93% | 1.14% | 47.78% |
| September 30, 2025 | 14.63% | 0.95% | 1.07% | 48.12% |
| June 30, 2025 | 14.42% | 1.31% | 1.02% | 47.32% |
| March 31, 2025 | 14.24% | 0.78% | 0.77% | 48.20% |
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.