TellerScore

Headquartered in Enola, Pennsylvania, Members 1st Federal Credit Union is a federal credit union with $8.7B in total assets and $7.3B in member shares and deposits as of Q2 2026. It operates 31 offices. Its charter dates back to 1950.

Members 1st Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 454 credit unions with $1 billion – $10 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 47th. Capital cushion contributes the most (100/100, 15.13%); funding & liquidity contributes the least (64/100, 96% loans-to-deposits, 10% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.13%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.73%
Earnings100/100
Return on assets (annualized): 2.38%
Funding & liquidity64/100
Loans ÷ shares: 96.2% · 10.2% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.16%

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 rose 7 points (81 → 88), mostly because the capital cushion component improved by 16 points.

TellerScore
768288Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202476
Q4 202477
Q1 202582
Q2 202581
Q3 202583
Q4 202584
Q1 202687
Q2 202688
Net worth ratio
7.00%11.06%15.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.48%
Q3 202412.62%
Q4 202412.75%
Q1 202513.07%
Q2 202513.40%
Q3 202513.90%
Q4 202514.30%
Q1 202614.74%
Q2 202615.13%
Delinquent loans (60+ days)
0.72%0.81%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.80%
Q3 20240.82%
Q4 20240.81%
Q1 20250.74%
Q2 20250.90%
Q3 20250.86%
Q4 20250.87%
Q1 20260.72%
Q2 20260.73%
Return on assets
1.58%1.98%2.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.58%
Q3 20241.61%
Q4 20241.58%
Q1 20251.95%
Q2 20252.17%
Q3 20252.23%
Q4 20252.17%
Q1 20262.23%
Q2 20262.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$8.7B15.13%0.73%2.38%96.2%
Q1 202687$8.6B14.74%0.72%2.23%93.8%
Q4 202584$8.3B14.30%0.87%2.17%97.1%
Q3 202583$8.3B13.90%0.86%2.23%97.8%
Q2 202581$8.3B13.40%0.90%2.17%95.5%
Q1 202582$8.3B13.07%0.74%1.95%92.7%
Q4 202477$8.1B12.75%0.81%1.58%94.5%
Q3 202476$8.0B12.62%0.82%1.61%95.4%
Q2 202476$7.9B12.48%0.80%1.58%95.8%

454 peers · $1 billion – $10 billion

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).

Capital ratio15.13%
92nd
Problem loans0.73%
45th
Net charge-offs0.58%
43rd
Return on assets2.38%
100th
Loans to deposits96.2%
23rd
Uninsured deposits10.2%
39th
Loan-loss reserves0.00%
50th
Texas ratio4.2%
57th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
Citadel Federal Credit UnionCredit union Exton, PA61 out of 100, Moderate$6.9B9.3%0.33%vs
American Heritage Federal Credit UnionCredit union Philadelphia, PA51 out of 100, Below average$5.4B8.5%1.23%vs
Trumark Financial Credit UnionCredit union Fort Washington, PA64 out of 100, Moderate$3.6B10.7%0.54%vs
Franklin Mint Federal Credit UnionCredit union Chadds Ford, PA57 out of 100, Moderate$2.2B8.7%0.83%vs
Clearview Federal Credit UnionCredit union Moon Township, PA69 out of 100, Moderate$2.2B11.2%0.69%vs

Deposit insurance

Is my money safe at Members 1st Federal Credit Union?

Yes. Members 1st Federal Credit Union is a federally insured credit union (NCUA charter #6694). 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 10.2% of shares and deposits ($747.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 15.13%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

31 locations

Branches

Members 1st Federal Credit Union lists 31 offices in 18 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members 1st Federal Credit Union
Type
Federal credit union
NCUA charter #
6694
RSSD ID
934785
Primary regulator
NCUA
Established
1950
Headquarters
5000 Marketplace Way, Enola, PA 17025
Employees
1,332

Quick answers

Members 1st Federal Credit Union: common questions

Is Members 1st Federal Credit Union NCUA insured?

Yes. Members 1st Federal Credit Union is a federally insured credit union (NCUA charter #6694). 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 Federal Credit Union's TellerScore?

88 out of 100 (Very strong), 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 Federal Credit Union have?

31 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Enola

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
Susquehanna Valley Federal Credit UnionCredit union Camp Hill, PA90 out of 100, Very strong$86.9M12.3%0.07%vs
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
The Bank of LandisburgBank Landisburg, PA80 out of 100, Strong$417.1M17.0%1.61%vs