# MEMBERS TRUST
Mason, OH · NCUA charter 15874 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-trust-15874

Who the members are: federal charter, multiple common bond, organized 1963. 3,121 members of 55,000 potential (5.7% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $24.0M |
| Members | 3,121 (-2.7% YoY) |
| Full-time staff | 5 |
| Net worth | $4.5M |
| Net worth ratio | 18.6% (p69 of band) |
| ROA (annualized) | 0.02% (p24 of band) |
| Total delinquency | 0.16% (p29 of band) |
| Net charge-offs (annualized) | 0.95% (p85 of band) |
| Loans / shares | 69% (p67 of band) |
| Cash / assets | 15.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.41% (p31 of band) |
| Operating expense / assets | 3.96% (p59 of band) |
| Vehicles % of loans | 54% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.25% (p41 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 14% |
| Average share balance | $3,260 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $10,244 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | assets shrinking |  |
| 2017-06 | 1 | net worth falling | assets shrinking |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | assets shrinking |  |
| 2018-09 | 0 |  | assets shrinking |
| 2018-12 | 1 | members leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | members leaving, assets shrinking |
| 2020-03 | 2 | net worth falling, members leaving |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 2 | losing money | margin squeeze, delinquency rising |
| 2021-06 | 2 | net worth falling | losing money |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | delinquency rising, assets shrinking |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | delinquency rising, repo signal |  |
| 2023-12 | 3 |  | members leaving |
| 2024-03 | 4 | net worth falling, members leaving | assets shrinking |
| 2024-06 | 2 | assets shrinking | repo signal, net worth falling, members leaving |
| 2024-09 | 0 |  | delinquency rising, assets shrinking |
| 2024-12 | 2 | assets shrinking, members leaving |  |
| 2025-03 | 1 |  | members leaving |
| 2025-06 | 2 | net worth falling, members leaving | assets shrinking |
| 2025-09 | 1 | assets shrinking | net worth falling, members leaving |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 0 |  | assets shrinking, delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-06-08 [Is your credit union ready for a channel-less future? - CUInsight](https://news.google.com/rss/articles/CBMihgFBVV95cUxObUdZQU5FSWI5N19VRGVUNm9xMHQ0VERaUGtiZ2xDVnZtdHVBdVJwcGNsRnoxZFRSd0pvaVlfWW1jR1RhWV9EWmZkZGp4VEFxTTZRUkFndl9hRXY2SGc4dmJMMnRmbnJsVnJVUjJrNjhWX21YYUtqMU1jNkU5OFRweHRPX3kwQQ?oc=5) · CUInsight
- 2026-07-30 [Arizona Financial Credit Union, Built on Trust Since 1936, Bets on Creatio’s Agentic AI to Deepen Member Relationships - EIN Presswire](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQNW9mRzNFVGg2dVI4NlpadDBjQ2NwcUN1ZXRoSnJMVUNSYWlPVXhZVlRRSjFNd3NrbURrejRTU3VOcE1RSFN4Zm1IREhZRHBmRjlPWjR2V3pkbjdvU1BoUVNNWGNmZi05d0RLQnIydXZGQk81TVVDM1NWNzFUTVV2cjRRWkxjZUFiRGdHemZsSkRkNTF1ZnNxSzF3VEdfTURIOHNSNjc4UExRUFNWN1Jnc3l4ekQteU83V0dKTEpWc0VHQkNQeEdqWUhNNXBBRFFnMEtpYzQtbG1UOENzYzJTN3RxVFZsNlZwWkxzZS1ZazRpWUZNY2c?oc=5) · EIN Presswire
- 2023-02-09 [Sharefax Credit Union CEO Art Kremer retires, Todd Cain named as successor - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZmp5TmZMWlI2cThFWDhYWF8yaEJEQ1U2eS1ZcnlWMjBRbjZsekg0SUxFcjBCMTVKWDhJdXdaYzhGZ19NU2VmZlhuSUMtYjFqcHhMY2VQQU5uLWdIZzZVNndYLUMzV1JoZzFQS1lrWklJSUJxZW5HU3Z3S0Z1V3Z6SE9sWWtCQi05bE9xeGlLNWJDMEd3YzZ1cHFvdjVCS1R4SzNz?oc=5) · The Business Journals
- 2026-08-05 [Parda Federal Credit Union Brings Modern Investing to Members with Unifimoney - EIN News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQSVdkTUoyWW5nbFo0Q3hXTmk1NTNMWUhZbTh4b3luSldaNU1qVFVNRWJpMW9mY1dLMFBGRHF1X0dpenNZWW9CREkzelk0ek43RGptSUllcGN2dU1uREVIMWhDa0loMTFsOUtpRnB0c2IxRGxvdmxqaURoUGVTSnIwaWs4T25WVnRwY0JWR0gzTVNtOXhhZFUyS3diMDRiaGYxUmJtdFpLSVp6M2RlekViaVg3U3BmaGNxN0pz?oc=5) · EIN News
- 2013-05-03 [Local woman faces breast cancer for second time - Rockford Register Star](https://news.google.com/rss/articles/CBMimwFBVV95cUxObzhGVWJmaG5vWVpxVXo0d1c3MnhRUGFLTl9DUjBBNjd4T2VGT3BzVHlXNm41SXVKRHQ1a1dWcDdhUzNMUWJrRHhaOWxCc09BZ29nWWVkeVRLVk82bmk4c2otcU1yMk16bEtueEZuSDdveTAtWUs5MlpvQmZhTUM2S0NZZ1g2YklkTmtEMUlzak45UHlZUjljUTJtQQ?oc=5) · Rockford Register Star

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15874 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/2.json (key "15874", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15874
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide