Credit Union Safety Analysis
Is Members Exchange Federal Credit Union Safe? Ridgeland, Mississippi
Based on its Q2 2026 NCUA 5300 call report, Members Exchange Federal Credit Union has a net worth ratio of 21.21%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.37%, 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 Exchange Federal Credit Union's net worth ratio is 21.21%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 21.21%
- Delinquency ratio (60+ days) (Q2 2026): 0.37%
- Return on assets (Q2 2026): 0.74%
- Loan-to-share ratio (Q2 2026): 58.21%
Members Exchange Federal Credit Union (NCUA charter 24952, established 1954) reported $143.6M in assets and 11,662 members for Q2 2026 from Ridgeland, Mississippi. It ranks 11 of 52 credit unions in Mississippi by total assets. Total assets grew 2.0% from $140.7M on June 30, 2025. It has 629 fewer members than on June 30, 2025 (-5.1%). Its net worth ratio was up 0.47 percentage points from 20.74% on June 30, 2025. Used vehicle loans are its largest loan category, $21.1M of $64.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.37% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 21.03% for Q1 2026; 20.74% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.13% for Q1 2026; 0.20% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.71% for Q1 2026; 1.19% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 57.76% for Q1 2026; 58.27% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $21.1M
- Other secured non-real estate loans and lines of credit: $11.5M
- Commercial loans: $9.9M
- New vehicle loans: $8.0M
- Other unsecured loans and lines of credit: $6.5M
- 1- to 4-family residential and other consumer real estate loans: $6.5M
- Unsecured credit card loans: $1.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $143.6M | 21.21% | 0.37% | 0.74% | 58.21% |
| March 31, 2026 | $143.5M | 21.03% | 0.13% | 0.71% | 57.76% |
| December 31, 2025 | $140.2M | 21.35% | 0.30% | 1.31% | 59.04% |
| September 30, 2025 | $138.2M | 21.35% | 0.21% | 0.97% | 60.88% |
| June 30, 2025 | $140.7M | 20.74% | 0.20% | 1.19% | 58.27% |
| March 31, 2025 | $138.9M | 20.70% | 0.14% | 0.93% | 56.74% |
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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 Exchange Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24952) · FFIEC NIC profile (RSSD 513498)
Frequently asked questions
Is Members Exchange Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Members Exchange Federal Credit Union's net worth ratio is 21.21%, above the 7% NCUA threshold for well capitalized.
Is Members Exchange Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Members Exchange Federal Credit Union is a federally insured credit union (NCUA charter 24952): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Members Exchange Federal Credit Union's key safety ratios?
For Q2 2026, Members Exchange Federal Credit Union reports net worth 21.21%, delinquency 0.37%, ROA 0.74%, loan-to-share 58.21%.
What happens to my money if Members Exchange Federal Credit Union fails?
For Q2 2026, Members Exchange Federal Credit Union held $110.7M in shares and deposits for 11,662 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.