MEMBERS1ST Community Credit Union Marshalltown, Iowa
MEMBERS1ST Community Credit Union is a state-chartered credit union headquartered in Marshalltown, IA, established in 1964 (NCUA charter 62918), and it is regulated and insured by the NCUA. At Q2 2026 it reported 17,730 members and total assets of $311.1M (up 6.9% from Q2 2025), the 13th largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 9.54% at Q2 2026, in the well capitalized band.
Also written as MEMBERS1ST Community 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
- 62918
- Headquarters
- Marshalltown, IA
- Established
- 1964
- Total assets, Q2 2026
- $311.1M
- Assets vs Q2 2025
- +6.9%
- Members, Q2 2026
- 17,730
- Net worth ratio, Q2 2026
- 9.54%
- Latest call report
- Q2 2026, NCUA 5300 · MEMBERS1ST Community Credit Union call report
- Asset rank in state
- 13th of 65 in Iowa
- Routing number
- 273975331
- Branches
- 8
It has 66 more members than on June 30, 2025 (+0.4%). Its net worth ratio was up 0.09 percentage points from 9.45% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $100.4M of $215.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.88% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.54% net worth ratio is below that band's 11.43% median.
Credit unions merged into MEMBERS1ST Community Credit Union
E T S Credit Union (2019)
Frequently asked about MEMBERS1ST Community Credit Union
How big is MEMBERS1ST Community Credit Union?
At Q2 2026 it reported total assets of $311.1M and 17,730 members.
Where is MEMBERS1ST Community Credit Union headquartered?
It is headquartered in Marshalltown, IA, United States.
When was MEMBERS1ST Community Credit Union founded?
It was established in 1964, per NCUA records.
Is MEMBERS1ST Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62918): 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 MEMBERS1ST Community 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 MEMBERS1ST Community Credit Union well capitalized?
Its net worth ratio was 9.54% 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 MEMBERS1ST Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.88% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is MEMBERS1ST Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.28% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Marshalltown, IA 50158
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 62918
- RSSD ID
- 232098
- Members
- 17,730
- Potential members
- 820,000
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 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.54% | 11.43% | 21st bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.83% | 0.81% | 52nd above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.74% | 7.02% | 65th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.49% | 3.70% | 37th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 67.00% | 76.55% | 78th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.38% | 1.24% | 39th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.88% | 0.68% | 39th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.86% | 4.92% | 46th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 77.28% | 75.66% | 54th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$311.1M total assets against $291.0M; $278.8M total shares and deposits against $260.4M; $215.4M total loans against $188.0M.
$29.7M net worth against $27.5M.
9.54% net worth ratio against 9.45%.
77.28% loan-to-share ratio against 72.20%.
0.88% delinquency ratio against 0.67%.
0.83% return on assets against 0.54%; 8.74% return on equity against 5.74%.
3.49% net interest margin against 3.36%.
17,730 members against 17,664.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.54% | 0.83% | 0.88% | 77.28% |
| March 31, 2026 | 9.44% | 0.00% | 0.94% | 75.89% |
| December 31, 2025 | 9.77% | 1.19% | 0.79% | 77.54% |
| September 30, 2025 | 9.64% | 0.96% | 0.53% | 76.18% |
| June 30, 2025 | 9.45% | 0.54% | 0.67% | 72.20% |
| March 31, 2025 | 9.29% | 0.61% | 0.61% | 68.94% |
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.