Credit Union Safety Analysis
Is Membersfirst Credit Union Safe? Decatur, Georgia
Based on its Q2 2026 NCUA 5300 call report, Membersfirst Credit Union has a net worth ratio of 11.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, 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, Membersfirst Credit Union's net worth ratio is 11.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.73%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 0.88%
- Loan-to-share ratio (Q2 2026): 77.97%
Membersfirst Credit Union (NCUA charter 67538, established 1953) reported $429.0M in assets and 28,246 members for Q2 2026 from Decatur, Georgia. It ranks 15 of 71 credit unions in Georgia by total assets. Total assets grew 3.2% from $415.8M on June 30, 2025. It has 1,747 more members than on June 30, 2025 (+6.6%). Its net worth ratio was up 0.53 percentage points from 11.20% on June 30, 2025. Commercial loans are its largest loan category, $129.8M of $293.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% 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: 11.50% for Q1 2026; 11.20% 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: 0.12% for Q1 2026; 0.12% 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; 0.68% 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: 76.20% for Q1 2026; 75.51% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $129.8M
- Used vehicle loans: $77.0M
- 1- to 4-family residential and other consumer real estate loans: $34.8M
- New vehicle loans: $33.8M
- Unsecured credit card loans: $9.3M
- Other unsecured loans and lines of credit: $7.5M
- Other secured non-real estate loans and lines of credit: $1.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $429.0M | 11.73% | 0.20% | 0.88% | 77.97% |
| March 31, 2026 | $429.1M | 11.50% | 0.12% | 0.71% | 76.20% |
| December 31, 2025 | $416.7M | 11.66% | 0.30% | 1.26% | 78.14% |
| September 30, 2025 | $413.9M | 11.42% | 0.20% | 0.71% | 75.73% |
| June 30, 2025 | $415.8M | 11.20% | 0.12% | 0.68% | 75.51% |
| March 31, 2025 | $423.0M | 10.84% | 0.11% | 0.25% | 73.27% |
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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.
Membersfirst Credit Union profile
Regulator records: NCUA credit union profile (charter 67538) · FFIEC NIC profile (RSSD 241885)
Frequently asked questions
Is Membersfirst Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Membersfirst Credit Union's net worth ratio is 11.73%, above the 7% NCUA threshold for well capitalized.
Is Membersfirst Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Membersfirst Credit Union is a federally insured credit union (NCUA charter 67538): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Membersfirst Credit Union's key safety ratios?
For Q2 2026, Membersfirst Credit Union reports net worth 11.73%, delinquency 0.20%, ROA 0.88%, loan-to-share 77.97%.
What happens to my money if Membersfirst Credit Union fails?
For Q2 2026, Membersfirst Credit Union held $376.8M in shares and deposits for 28,246 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.