Members 1St Federal Credit Union
Total assets
$8.61B
▲ +3.7% YoY
Shares & deposits
$7.33B
▲ +1.5% YoY
Loans
$6.87B
▲ +2.6% YoY
Members
629,837
▲ +3.4% YoY
ROA (annualized)
2.23%
peers 0.71%
ROE (annualized)
15.56%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +5.1% | -1.5 pts |
| Share growth (YoY) | +1.5% | +4.9% | -3.4 pts |
| Loan growth (YoY) | +2.6% | +5.4% | -2.8 pts |
| ROA | 2.23% | 0.71% | +1.5 pts |
| ROE | 15.6% | 6.3% | +9.3 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 5000 Marketplace Way, Enola, PA, 17025
- NCUA charter #
- 6694
- RSSD ID
- 934785
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.61B | $7.33B | $6.87B | $1.24B | $48.1M | 2.23% | 4.20% | 0.72% | 629,837 |
| Q4 2025 | $8.34B | $7.09B | $6.88B | $1.19B | $181.0M | 2.17% | 4.19% | 0.87% | 625,928 |
| Q3 2025 | $8.26B | $7.06B | $6.91B | $1.15B | $138.2M | 2.23% | 4.16% | 0.86% | 624,987 |
| Q2 2025 | $8.29B | $7.13B | $6.81B | $1.10B | $89.8M | 2.17% | 4.03% | 0.90% | 615,675 |
| Q1 2025 | $8.31B | $7.22B | $6.69B | $1.06B | $40.5M | 1.95% | 3.83% | 0.74% | 609,307 |
| Q4 2024 | $8.05B | $7.01B | $6.63B | $1.02B | $127.2M | 1.58% | 3.78% | 0.81% | 601,951 |
| Q3 2024 | $8.04B | $6.87B | $6.56B | $986.3M | $96.9M | 1.61% | 3.74% | 0.82% | 596,510 |
| Q2 2024 | $7.88B | $6.73B | $6.45B | $951.5M | $62.1M | 1.58% | 3.77% | 0.80% | 589,036 |
Loan mix (Q1 2026): real estate $2.07B · commercial $1.13B · consumer $3.48B · securities $854.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.23% | 0.71% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 6.3% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.32% | 94th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 73.0% | 4th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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