TellerScore

Headquartered in Mason, Ohio, Members Trust Federal Credit Union is a federal credit union with $23.4M in total assets and $18.8M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1963.

Members Trust Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 25th. Capital cushion contributes the most (100/100, 19.11%); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.11%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.05%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity90/100
Loans ÷ shares: 70.0% · 2.4% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.14%

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 6 points (81 → 87), mostly because the earnings component improved by 19 points.

TellerScore
788387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202479
Q4 202481
Q1 202580
Q2 202581
Q3 202579
Q4 202578
Q1 202682
Q2 202687
Net worth ratio
7.00%13.20%19.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.95%
Q3 202417.97%
Q4 202418.25%
Q1 202518.06%
Q2 202517.40%
Q3 202518.98%
Q4 202519.39%
Q1 202618.56%
Q2 202619.11%
Delinquent loans (60+ days)
0.05%0.32%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.37%
Q4 20240.19%
Q1 20250.34%
Q2 20250.35%
Q3 20250.52%
Q4 20250.58%
Q1 20260.16%
Q2 20260.05%
Return on assets
0.02%0.35%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.09%
Q4 20240.18%
Q1 20250.08%
Q2 20250.21%
Q3 20250.16%
Q4 20250.14%
Q1 20260.02%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$23.4M19.11%0.05%0.67%70.0%
Q1 202682$24.0M18.56%0.16%0.02%69.4%
Q4 202578$23.0M19.39%0.58%0.14%76.8%
Q3 202579$23.5M18.98%0.52%0.16%75.3%
Q2 202581$25.6M17.40%0.35%0.21%67.7%
Q1 202580$24.7M18.06%0.34%0.08%73.6%
Q4 202481$24.4M18.25%0.19%0.18%76.6%
Q3 202479$24.7M17.97%0.37%0.09%76.2%
Q2 202482$26.4M16.95%0.56%0.54%71.2%

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).

Capital ratio19.11%
74th
Problem loans0.05%
84th
Net charge-offs0.00%
77th
Return on assets0.67%
52nd
Loans to deposits70.0%
33rd
Uninsured deposits2.4%
41st
Loan-loss reserves0.00%
37th
Texas ratio0.1%
83rd

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Ashland Community Federal Credit UnionCredit union Ashland, OH84 out of 100, Strong$23.1M12.3%0.10%vs
Parish Federal Credit UnionCredit union Toledo, OH87 out of 100, Very strong$24.0M11.8%0.06%vs
Sylvania Area Federal Credit UnionCredit union Sylvania, OH70 out of 100, Strong$24.2M9.8%0.30%vs
Steel Valley Federal Credit UnionCredit union Cleveland, OH34 out of 100, Low$22.3M9.5%5.13%vs
Genesis Employees Credit UnionCredit union Zanesville, OH80 out of 100, Strong$22.2M14.4%1.61%vs
Eight Federal Credit UnionCredit union Rossford, OH96 out of 100, Very strong$25.3M14.8%0.02%vs

Deposit insurance

Is my money safe at Members Trust Federal Credit Union?

Yes. Members Trust Federal Credit Union is a federally insured credit union (NCUA charter #15874). 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 2.4% of shares and deposits ($447K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 19.11%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Members Trust Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members Trust Federal Credit Union
Type
Federal credit union
NCUA charter #
15874
RSSD ID
611488
Primary regulator
NCUA
Established
1963
Headquarters
4000 Luxottica Pl, Mason, OH 45040
Employees
5

Quick answers

Members Trust Federal Credit Union: common questions

Is Members Trust Federal Credit Union NCUA insured?

Yes. Members Trust Federal Credit Union is a federally insured credit union (NCUA charter #15874). 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 Trust Federal Credit Union's TellerScore?

87 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 Trust Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Mason

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
Deca Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$7.6M18.9%0.45%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs
Spring Valley BankBank Wyoming, OH89 out of 100, Very strong$113.6M34.1%0.43%vs