TellerScore

Members "first" Community Credit Union is a federally insured state-chartered credit union headquartered in Quincy, Illinois, in business for about 72 years. At the end of Q2 2026 it reported $111.6M in total assets and $82.4M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Members "first" Community Credit Union scores 92/100, which we describe as very strong. That is higher than 97% of 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 19th. Its strongest component is capital cushion (100/100; 25.42%), and its lowest is funding & liquidity (64/100; 96% loans-to-deposits, 1% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.42%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings89/100
Return on assets (annualized): 1.74%
Funding & liquidity64/100
Loans ÷ shares: 95.8% · 1.3% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.08%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 92).

TellerScore
899294Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202489
Q4 202489
Q1 202594
Q2 202593
Q3 202592
Q4 202592
Q1 202694
Q2 202692
Net worth ratio
7.00%17.28%27.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.95%
Q3 202427.56%
Q4 202426.37%
Q1 202525.41%
Q2 202526.14%
Q3 202526.15%
Q4 202526.13%
Q1 202625.22%
Q2 202625.42%
Delinquent loans (60+ days)
0.03%0.20%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.38%
Q4 20240.33%
Q1 20250.04%
Q2 20250.04%
Q3 20250.14%
Q4 20250.14%
Q1 20260.10%
Q2 20260.03%
Return on assets
1.74%2.46%3.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.19%
Q3 20243.13%
Q4 20241.90%
Q1 20252.09%
Q2 20252.16%
Q3 20252.14%
Q4 20251.91%
Q1 20262.46%
Q2 20261.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$111.6M25.42%0.03%1.74%95.8%
Q1 202694$111.3M25.22%0.10%2.46%93.7%
Q4 202592$104.8M26.13%0.14%1.91%101.1%
Q3 202592$102.7M26.15%0.14%2.14%102.4%
Q2 202593$100.6M26.14%0.04%2.16%102.8%
Q1 202594$101.3M25.41%0.04%2.09%98.1%
Q4 202489$95.6M26.37%0.33%1.90%105.8%
Q3 202489$92.8M27.56%0.38%3.13%109.3%
Q2 202490$92.3M26.95%0.27%3.19%109.0%

1,341 peers · $100 million – $1 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 ratio25.42%
99th
Problem loans0.03%
99th
Net charge-offs0.47%
38th
Return on assets1.74%
94th
Loans to deposits95.8%
7th
Uninsured deposits1.3%
94th
Loan-loss reserves0.00%
50th
Texas ratio0.1%
99th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
A.A.E.C. Credit UnionCredit union Arlington Heigh, IL84 out of 100, Strong$118.9M13.0%0.02%vs
Landmark Credit UnionCredit union Danville, IL66 out of 100, Moderate$119.1M9.9%0.50%vs
Illinois Educators Credit UnionCredit union Springfield, IL59 out of 100, Moderate$120.3M10.6%0.87%vs
Central Credit Union of IllinoisCredit union Bellwood, IL75 out of 100, Strong$122.7M14.3%1.19%vs
Illinois State Police Federal Credit UnionCredit union Springfield, IL76 out of 100, Strong$126.9M10.3%0.01%vs
Commonwealth Credit UnionCredit union Bourbonnais, IL83 out of 100, Strong$128.1M13.2%0.43%vs

Deposit insurance

Is my money safe at Members "first" Community Credit Union?

Yes. Members "first" Community Credit Union is a federally insured credit union (NCUA charter #63368). 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 1.3% of shares and deposits ($1.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 25.42%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Members "first" Community Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members "first" Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63368
RSSD ID
628495
Primary regulator
State + NCUA
Established
1954
Headquarters
329 N 24th St, Quincy, IL 62301
Employees
27

Quick answers

Members "first" Community Credit Union: common questions

Is Members "first" Community Credit Union NCUA insured?

Yes. Members "first" Community Credit Union is a federally insured credit union (NCUA charter #63368). 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 "first" Community Credit Union's TellerScore?

92 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 "first" Community Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Quincy

InstitutionScoreAssetsCapitalProblem loansCompare
Town & Country Bank MidwestBank Quincy, IL92 out of 100, Very strong$279.3M14.9%0.15%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs
United Community Credit UnionCredit union Quincy, IL84 out of 100, Strong$134.1M15.4%0.40%vs
Western Illinois School Employees Credit UnionCredit union Quincy, IL83 out of 100, Strong$24.0M16.1%0.17%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs