Credit Union Safety Analysis
Is Members First Credit Union Safe? Brigham City, Utah
Based on its Q2 2026 NCUA 5300 call report, Members First Credit Union has a net worth ratio of 14.91%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.43%, 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 First Credit Union's net worth ratio is 14.91%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.91%
- Delinquency ratio (60+ days) (Q2 2026): 0.43%
- Return on assets (Q2 2026): 1.77%
- Loan-to-share ratio (Q2 2026): 54.77%
Members First Credit Union (NCUA charter 67153, established 1958) reported $209.1M in assets and 13,540 members for Q2 2026 from Brigham City, Utah. It ranks 17 of 50 credit unions in Utah by total assets. Total assets grew 8.8% from $192.3M on June 30, 2025. It has 263 fewer members than on June 30, 2025 (-1.9%). Its net worth ratio was up 0.61 percentage points from 14.30% on June 30, 2025. Used vehicle loans are its largest loan category, $51.2M of $96.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.43% 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: 14.68% for Q1 2026; 14.30% 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: 0.29% for Q1 2026; 0.21% 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: 1.91% for Q1 2026; 1.94% 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: 56.75% for Q1 2026; 57.98% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $51.2M
- 1- to 4-family residential and other consumer real estate loans: $19.9M
- New vehicle loans: $9.6M
- Other secured non-real estate loans and lines of credit: $9.5M
- Unsecured credit card loans: $4.7M
- Other unsecured loans and lines of credit: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $209.1M | 14.91% | 0.43% | 1.77% | 54.77% |
| March 31, 2026 | $206.1M | 14.68% | 0.29% | 1.91% | 56.75% |
| December 31, 2025 | $199.7M | 14.66% | 0.28% | 1.14% | 55.94% |
| September 30, 2025 | $197.6M | 14.53% | 0.17% | 2.47% | 56.55% |
| June 30, 2025 | $192.3M | 14.30% | 0.21% | 1.94% | 57.98% |
| March 31, 2025 | $191.7M | 13.85% | 0.32% | 1.70% | 54.38% |
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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 First Credit Union profile
Regulator records: NCUA credit union profile (charter 67153) · FFIEC NIC profile (RSSD 448693)
Frequently asked questions
Is Members First Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Members First Credit Union's net worth ratio is 14.91%, above the 7% NCUA threshold for well capitalized.
Is Members First Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Members First Credit Union is a federally insured credit union (NCUA charter 67153): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Members First Credit Union's key safety ratios?
For Q2 2026, Members First Credit Union reports net worth 14.91%, delinquency 0.43%, ROA 1.77%, loan-to-share 54.77%.
What happens to my money if Members First Credit Union fails?
For Q2 2026, Members First Credit Union held $175.7M in shares and deposits for 13,540 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.