TellerScore

Headquartered in Brigham City, Utah, Members First Credit Union is a federally insured state-chartered credit union with $209.1M in total assets and $175.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1958.

Based on its Q2 2026 filing, Members First Credit Union scores 95/100, which we describe as very strong. That is higher than 98% of 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Utah, it ranks 2nd. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 5% uninsured), and its lowest is loan quality (86/100; 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion99/100
Net worth ratio: 14.91%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings93/100
Return on assets (annualized): 1.82%
Funding & liquidity100/100
Loans ÷ shares: 54.8% · 5.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.42%

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 (95 → 95).

TellerScore
909497Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202493
Q4 202493
Q1 202591
Q2 202595
Q3 202597
Q4 202595
Q1 202696
Q2 202695
Net worth ratio
7.00%10.96%14.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.22%
Q3 202413.75%
Q4 202413.97%
Q1 202513.85%
Q2 202514.30%
Q3 202514.53%
Q4 202514.66%
Q1 202614.68%
Q2 202614.91%
Delinquent loans (60+ days)
0.17%0.30%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.29%
Q4 20240.25%
Q1 20250.32%
Q2 20250.21%
Q3 20250.17%
Q4 20250.28%
Q1 20260.29%
Q2 20260.43%
Return on assets
1.70%1.85%2.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.86%
Q3 20241.88%
Q4 20241.77%
Q1 20251.70%
Q2 20251.82%
Q3 20252.00%
Q4 20251.77%
Q1 20261.91%
Q2 20261.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$209.1M14.91%0.43%1.82%54.8%
Q1 202696$206.1M14.68%0.29%1.91%56.8%
Q4 202595$199.7M14.66%0.28%1.77%55.9%
Q3 202597$197.6M14.53%0.17%2.00%56.5%
Q2 202595$192.3M14.30%0.21%1.82%58.0%
Q1 202591$191.7M13.85%0.32%1.70%54.4%
Q4 202493$184.3M13.97%0.25%1.77%58.5%
Q3 202493$182.2M13.75%0.29%1.88%60.7%
Q2 202490$182.8M13.22%0.29%1.86%62.2%

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 ratio14.91%
85th
Problem loans0.43%
72nd
Net charge-offs0.10%
86th
Return on assets1.82%
95th
Loans to deposits54.8%
86th
Uninsured deposits5.2%
58th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
83rd

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Eastern Utah Community Federal Credit UnionCredit union Price, UT81 out of 100, Strong$219.2M14.1%0.74%vs
Horizon Utah Federal Credit UnionCredit union Farmington, UT64 out of 100, Moderate$185.2M11.5%0.91%vs
Hercules First Federal Credit UnionCredit union Salt Lake City, UT51 out of 100, Below average$176.3M9.0%1.00%vs
Utah Heritage Credit UnionCredit union Moroni, UT63 out of 100, Moderate$166.7M12.4%2.51%vs
Elevate Federal Credit UnionCredit union Brigham City, UT94 out of 100, Very strong$260.3M20.9%0.24%vs
Pacific Horizon Credit UnionCredit union Springville, UT53 out of 100, Below average$141.4M9.3%1.81%vs

Deposit insurance

Is my money safe at Members First Credit Union?

Yes. Members First Credit Union is a federally insured credit union (NCUA charter #67153). 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 5.2% of shares and deposits ($9.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Members First Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members First Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67153
RSSD ID
448693
Primary regulator
State + NCUA
Established
1958
Headquarters
120 East 1000 South, Brigham City, UT 84302
Employees
38

Quick answers

Members First Credit Union: common questions

Is Members First Credit Union NCUA insured?

Yes. Members First Credit Union is a federally insured credit union (NCUA charter #67153). 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 Credit Union's TellerScore?

95 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 Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Brigham City

InstitutionScoreAssetsCapitalProblem loansCompare
Elevate Federal Credit UnionCredit union Brigham City, UT94 out of 100, Very strong$260.3M20.9%0.24%vs
Goldenwest Federal Credit UnionCredit union Ogden, UT81 out of 100, Strong$4.3B13.2%0.47%vs
D. L. Evans BankBank Burley, ID76 out of 100, Strong$3.7B10.4%0.26%vs
Bank of UtahBank Ogden, UT75 out of 100, Strong$3.8B12.7%0.15%vs
New Heights Federal Credit UnionCredit union Logan, UT75 out of 100, Strong$27.7M14.9%0.93%vs
Cache Valley BankBank Logan, UT73 out of 100, Strong$3.5B10.7%0.29%vs