Members First Community
Quincy, IL · Charter 63368 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$111.6MAssets
$79.0MLoans
$82.4MShares
$28.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of credit unions under $1B in assets (rank 92 of 1683).
- Widest gap: return on equity trails 41% of credit unions under $1B in assets (rank 685 of 1681).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.74%
Rank 151 of 1,683
Net Interest Margin
4.09%
Rank 600 of 1,683
Efficiency Ratio
68.53%
Rank 408 of 1,682
Equity / Assets
25.42%
Rank 92 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.74% | 0.35% | 0.74% | 1.18% | Beats 91% | 151 / 1,683 | | |
| Return on Equity | 6.83% | 2.67% | 5.89% | 8.74% | Beats 59% | 685 / 1,681 | | |
| Net Interest Margin | 4.09% | 3.31% | 3.82% | 4.32% | Beats 64% | 600 / 1,683 | | |
| Efficiency Ratio | 68.53% | 68.91% | 78.20% | 86.93% | Beats 76% | 408 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 90% | 161 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 25.42% | 10.44% | 12.89% | 16.53% | Beats 95% | 92 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 25.42% | 10.44% | 12.89% | 16.53% | Beats 95% | 92 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.80% | 52.61% | 69.38% | 83.50% | 94th pctl | 101 / 1,683 | | |
| Loans / Assets | 70.74% | 44.71% | 59.18% | 70.72% | 75th pctl | 419 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |