Headquartered in Brattleboro, Vermont, Members 1st Credit Union is a federally insured state-chartered credit union with $22.9M in total assets and $20.7M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1957.
Members 1st Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,479 credit unions with under $100 million in assets. Among 12 credit unions headquartered in Vermont, it ranks 9th. Funding & liquidity contributes the most (88/100, 72% loans-to-deposits, 4% uninsured); loan quality contributes the least (31/100, 2.07%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (56 → 51), mostly because the loan quality component weakened by 39 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 49 |
| Q4 2024 | 45 |
| Q1 2025 | 60 |
| Q2 2025 | 56 |
| Q3 2025 | 59 |
| Q4 2025 | 41 |
| Q1 2026 | 42 |
| Q2 2026 | 51 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.57% |
| Q3 2024 | 9.80% |
| Q4 2024 | 9.46% |
| Q1 2025 | 9.17% |
| Q2 2025 | 8.99% |
| Q3 2025 | 9.14% |
| Q4 2025 | 9.13% |
| Q1 2026 | 9.15% |
| Q2 2026 | 9.42% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.67% |
| Q3 2024 | 1.77% |
| Q4 2024 | 2.10% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.89% |
| Q3 2025 | 0.72% |
| Q4 2025 | 2.70% |
| Q1 2026 | 2.79% |
| Q2 2026 | 2.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.14% |
| Q1 2025 | -0.08% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $22.9M | 9.42% | 2.07% | 0.67% | 72.5% |
| Q1 2026 | 42 | $23.2M | 9.15% | 2.79% | 0.59% | 72.1% |
| Q4 2025 | 41 | $22.8M | 9.13% | 2.70% | 0.35% | 74.2% |
| Q3 2025 | 59 | $22.5M | 9.14% | 0.72% | 0.29% | 75.8% |
| Q2 2025 | 56 | $22.4M | 8.99% | 0.89% | 0.09% | 76.0% |
| Q1 2025 | 60 | $21.8M | 9.17% | 0.38% | -0.08% | 76.8% |
| Q4 2024 | 45 | $21.2M | 9.46% | 2.10% | 0.14% | 79.9% |
| Q3 2024 | 49 | $20.4M | 9.80% | 1.77% | 0.19% | 82.6% |
| Q2 2024 | 51 | $18.9M | 10.57% | 1.67% | 0.20% | 92.5% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Vermont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Central Vermont Medical Center,inc. Credit UnionCredit union Barre, VT | 54 out of 100, Below average | $12.7M | 25.9% | 4.52% | vs |
| Orlex Government Employees Credit UnionCredit union Newport, VT | 45 out of 100, Below average | $6.9M | 10.0% | 1.63% | vs |
| Northeast Schools and Hospital Credit UnionCredit union Newport, VT | 64 out of 100, Moderate | $5.6M | 8.9% | 0.23% | vs |
| Northern Lights Federal Credit UnionCredit union Saint Johnsbury, VT | 84 out of 100, Strong | $42.8M | 14.3% | 0.29% | vs |
Deposit insurance
Is my money safe at Members 1st Credit Union?
Yes. Members 1st Credit Union is a federally insured credit union (NCUA charter #63899). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.7% of shares and deposits ($758K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.42%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Members 1st Credit Union lists 3 offices in 2 cities across 2 states. Most locations:
- Brattleboro, VT (2)
- Omaha, NE (1)
Identity & history
Profile
- Legal name
- Members 1st Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 63899
- RSSD ID
- 664699
- Primary regulator
- State + NCUA
- Established
- 1957
- Headquarters
- PO Box 8245, Brattleboro, VT 05304
- Employees
- 9
Quick answers
Members 1st Credit Union: common questions
Is Members 1st Credit Union NCUA insured?
Yes. Members 1st Credit Union is a federally insured credit union (NCUA charter #63899). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Members 1st Credit Union's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Members 1st Credit Union have?
3 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Brattleboro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eastrise Federal Credit UnionCredit union Williston, VT | 73 out of 100, Strong | $3.2B | 12.3% | 0.60% | vs |
| Greenfield Co-operative BankBank Greenfield, MA | 71 out of 100, Strong | $901.8M | 12.5% | 0.72% | vs |
| 802 Credit UnionCredit union Barre, VT | 67 out of 100, Moderate | $507.7M | 12.5% | 1.50% | vs |
| Savings Bank of WalpoleBank Walpole, NH | 66 out of 100, Moderate | $857.9M | 8.7% | 0.26% | vs |
| Freedom Credit UnionCredit union Springfield, MA | 66 out of 100, Moderate | $764.0M | 14.3% | 1.81% | vs |
| Precision Federal Credit UnionCredit union Keene, NH | 66 out of 100, Moderate | $28.4M | 12.0% | 1.90% | vs |