Membersfirst Decatur, GA · Charter 67538 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 15 branches
Q2 2026
$429.0M Assets
$293.8M Loans
$376.8M Shares
$50.3M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 74% of credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 6 of 19). Widest gap: net interest margin trails 89% of credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 17 of 19). Overall: at or above the peer median on 4 of 7 directional measures. Return on Assets
0.80%
Rank 8 of 19
Net Interest Margin
3.00%
Rank 17 of 19
Efficiency Ratio
76.63%
Rank 7 of 19
Equity / Assets
11.73%
Rank 12 of 19
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.80% -0.11% 0.66% 1.27% Beats 58% 8 / 19 Return on Equity 6.79% -0.53% 4.88% 8.56% Beats 63% 7 / 19 Net Interest Margin 3.00% 3.04% 3.58% 4.03% Beats 11% 17 / 19 Efficiency Ratio 76.63% 67.29% 83.22% 91.36% Beats 68% 7 / 19 Asset Quality Nonperforming Loans / Loans 0.20% 0.10% 0.50% 1.13% Beats 74% 6 / 19 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 11.73% 10.58% 12.87% 17.85% Beats 37% 12 / 19 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 11.73% 10.58% 12.87% 17.85% Beats 37% 12 / 19 Liquidity & Funding Loans / Deposits 77.97% 41.38% 66.89% 77.97% 74th pctl 5 / 19 Loans / Assets 68.47% 33.12% 56.90% 65.75% 79th pctl 4 / 19 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11