TellerScore

Headquartered in Decatur, Georgia, Membersfirst Credit Union is a federally insured state-chartered credit union with $429.0M in total assets and $376.8M in member shares and deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1953.

Membersfirst Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 71 credit unions headquartered in Georgia, it ranks 28th. Problem-loan coverage contributes the most (98/100, 1.1%); earnings contributes the least (52/100, 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.73%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity82/100
Loans ÷ shares: 78.0% · 3.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.15%

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 3 points (73 → 76), mostly because the earnings component improved by 13 points.

TellerScore
707376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202473
Q1 202570
Q2 202573
Q3 202573
Q4 202574
Q1 202676
Q2 202676
Net worth ratio
7.00%9.37%11.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.61%
Q3 202410.76%
Q4 202410.89%
Q1 202510.84%
Q2 202511.20%
Q3 202511.42%
Q4 202511.66%
Q1 202611.50%
Q2 202611.73%
Delinquent loans (60+ days)
0.11%0.23%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.17%
Q4 20240.36%
Q1 20250.11%
Q2 20250.12%
Q3 20250.20%
Q4 20250.30%
Q1 20260.12%
Q2 20260.20%
Return on assets
0.25%0.53%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.61%
Q4 20240.81%
Q1 20250.25%
Q2 20250.46%
Q3 20250.55%
Q4 20250.72%
Q1 20260.71%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$429.0M11.73%0.20%0.80%78.0%
Q1 202676$429.1M11.50%0.12%0.71%76.2%
Q4 202574$416.7M11.66%0.30%0.72%78.1%
Q3 202573$413.9M11.42%0.20%0.55%75.7%
Q2 202573$415.8M11.20%0.12%0.46%75.5%
Q1 202570$423.0M10.84%0.11%0.25%73.3%
Q4 202473$418.6M10.89%0.36%0.81%74.5%
Q3 202472$409.6M10.76%0.17%0.61%75.7%
Q2 202470$409.2M10.61%0.33%0.59%75.9%

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 ratio11.73%
54th
Problem loans0.20%
90th
Net charge-offs0.25%
64th
Return on assets0.80%
54th
Loans to deposits78.0%
45th
Uninsured deposits3.7%
75th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
88th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs
Cdc Federal Credit UnionCredit union Atlanta, GA57 out of 100, Moderate$414.4M9.6%0.71%vs
Platinum Federal Credit UnionCredit union Duluth, GA75 out of 100, Strong$412.6M10.3%0.29%vs
Interstate Credit UnionCredit union Jesup, GA89 out of 100, Very strong$410.9M15.8%0.54%vs
Midsouth Community Federal Credit UnionCredit union Macon, GA77 out of 100, Strong$484.5M14.3%0.98%vs
The Southern Credit UnionCredit union Fayetteville, GA76 out of 100, Strong$560.2M11.6%0.10%vs

Deposit insurance

Is my money safe at Membersfirst Credit Union?

Yes. Membersfirst Credit Union is a federally insured credit union (NCUA charter #67538). 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 ($14.0M) 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 11.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

13 locations

Branches

Membersfirst Credit Union lists 13 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Membersfirst Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67538
RSSD ID
241885
Primary regulator
State + NCUA
Established
1953
Headquarters
PO Box 33189, Decatur, GA 30033
Employees
96

Quick answers

Membersfirst Credit Union: common questions

Is Membersfirst Credit Union NCUA insured?

Yes. Membersfirst Credit Union is a federally insured credit union (NCUA charter #67538). 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 Membersfirst Credit Union's TellerScore?

76 out of 100 (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 Membersfirst Credit Union have?

13 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Decatur

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Robins Financial Credit UnionCredit union Warner Robins, GA94 out of 100, Very strong$5.0B17.6%0.40%vs
CIBC National Trust CompanyBank Atlanta, GA93 out of 100, Very strong$412.8M59.6%0.00%vs
Spirit of America Federal Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$53.2M12.9%0.01%vs
Northside Federal Credit UnionCredit union Atlanta, GA88 out of 100, Very strong$20.8M18.9%0.54%vs
Genuine Parts Credit UnionCredit union Norcross, GA87 out of 100, Very strong$19.5M79.2%0.00%vs