# MEMBERS1ST COMMUNITY
Marshalltown, IA · NCUA charter 62918 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members1st-community-62918

Who the members are: state charter, organized 1964, low-income designated. 17,626 members of 820,000 potential (2.1% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $307.5M |
| Members | 17,626 (-0.1% YoY) |
| Full-time staff | 64 |
| Net worth | $29.0M |
| Net worth ratio | 9.4% (p22 of band) |
| ROA (annualized) | 0.00% (p7 of band) |
| Total delinquency | 0.94% (p76 of band) |
| Net charge-offs (annualized) | 0.56% (p68 of band) |
| Loans / shares | 76% (p53 of band) |
| Cash / assets | 13.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.42% (p41 of band) |
| Operating expense / assets | 4.02% (p65 of band) |
| Vehicles % of loans | 37% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 144% (p70 of band) |
| Vehicle delinquency | 0.75% (p63 of band) |
| Vehicle NCO | 1.46% (p83 of band) |
| Repossessed % of vehicle book | 0.05% (p63 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 33% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 32% |
| Average share balance | $6,416 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $13.3M |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $17,406 |
| Loans granted, annualized | $71.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $13.3M outstanding purchased (45.9% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 5.0% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | members leaving |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 | 3rd-party paper>100% NW | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | members leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 1 |  | 3rd-party paper>100% NW |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 1 |  | net worth falling, thin capital |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | members leaving |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | delinquency rising | members leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | 3rd-party paper>100% NW | delinquency rising |
| 2024-12 | 2 | repo signal |  |
| 2025-03 | 3 | net worth falling, delinquency rising | repo signal |
| 2025-06 | 2 | repo signal | net worth falling, delinquency rising |
| 2025-09 | 1 |  | repo signal |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2023-05-25 [MEMBERS1st Community Credit Union unveils new logo - North Tama Telegraph](https://news.google.com/rss/articles/CBMiswFBVV95cUxNOXhSQXRJemlXMVZXcUEwa2VkMXd2T1lDN0g0U3piTDhIMXBtVTRBTmVpZjVFQVNHZ2tCcS1KLU8wTERZc3FIM0MzR1NzMUtvNEhNNEU3RDVYTklncFFVX25XT0dzdEVlYU04eTdwd1hScC1CZWdEU3kyYTZfRDZmOEhqaWw2emxPb0tmS1hxTGpjNGhSVDJuUlpwMDhLM2VCcU1DZzNLeDd6TkQwaW1VWEVkSQ?oc=5) · North Tama Telegraph
- 2022-05-13 [MEMBERS1st plans new Marshalltown location - - Times Republican](https://news.google.com/rss/articles/CBMiogFBVV95cUxOWExIbzFyTjI5QnFuSTlubHZBbkJfQ1ctQlVkTWZLdy1qRl9XZXNlX2RzMzBZYmlqNFN5Zk5OWWVnQmR4UDV0bkpHT2d4TE9vMzF4WVo5bFI3WFZ0Mm90a2Rzei1wQXVvamVmMUFSRHotTFhVT3FKNVRNXzgxMXc5LUVGMTBTVmVzaHg5alNRejZEU2ZPTjhOYVBvamMtcUlYX2c?oc=5) · Times Republican
- 2023-05-15 [Citizens Community Credit Union welcomes back Stephen Hindman - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxNalpiZFZlaUN6V0R4TFRfZXJmeGdwYlIzdldnNko4dkZ0X0tPRlF4MmQ5bWlkeVdOcmNJc3FYaEREUDVVUGpXektRR2ZDQzNNaUNyTUdwdjM1YUJsMWJxLTZJdElfemlRRTJ2TEdoV1FsTnU4LWlmU1BQSzluNnlzcFF1Tm9kb3ZVRmRhd0p6ZGx3ZDlZZ3RWNDdhX05HbDd2aWgzbA?oc=5) · CUInsight
- 2026-05-27 [Iowa students win $48K in Warren A. Morrow scholarships - kimt.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQenpZLTN6ZWlKN3lyRzg3azRyclFPc2E1aTBmNkRUaGlsLVE4VmFkRXlpNGY4OEo2VU5wRVhGNkZ1OFdzNkVRd2tKUmJoRkVwUlM4VFNjN2M4N1IyNDdiVXlQbFpjZ0ZpNmw3cDNiZnk4ZVhUakdleDZSQmtRT190S1lPVW5QUEt2c1lPOWh2MF9lWjM4cVZ6Yi11bnpPWEVuMUFsSjh6ZzdXY3pfaXhYYWlQemcxT2g3cDVvUlVxNG5VX2kzOTJabg?oc=5) · kimt.com
- 2025-02-13 [MEMBERS1st donates to CHAT, Taylor Park Veterans Memorial fundraiser - North Tama Telegraph](https://news.google.com/rss/articles/CBMiygFBVV95cUxNTTdJa1kyRkZWUEFDQnE5Q2duMmJ5X2x5Mm45MlR4S3p0bnAzeEtXNzg4UFJtZjlkdEs4Y0tRMHZEcjBpaXgtZElwWnNnSHM1QVFCUWZhcWpQVFdKX2RQSl8yM3NwV1pZNjR6OVRrVXJnU01rUFVEblEyLVhHTXRzMDFqckxEbEhnNHAtTVkwUXNVTlhETDZfWUhJeEU1Slhpc0VrQkJkc25VMFFqNXUzbS1CZmVNTzZFYkFMUmQxb3h0MlpGYWczYmxn?oc=5) · North Tama Telegraph
- 2023-01-05 [Members 1st Federal Credit Union opens Fogelsville branch - CUInsight](https://news.google.com/rss/articles/CBMinwFBVV95cUxOemx5Y0VZRUZoc3JHVUtrVWIzUjg1dlpWQlNueGdSWXRkM2cwZzBLUmJoU0s3a1JSZGJLUHU1cm9GRy1TZXFKb2NWM0xTdDdSZ1RTMFg2NjYxS29aTEFReFppaXZfRC1ONlV6TFNKUFJhUHVIaG9YVEZnRkpmLVBwQjJSazlfY0U3MkpvWkJneFdHa1RWQnJoN2FiVWFWVzA?oc=5) · CUInsight
- 2024-08-17 [MEMBERS1ST cuts the ribbon on state of the art new Marshalltown location - - Times Republican](https://news.google.com/rss/articles/CBMiygFBVV95cUxOWTB1U2laQ2ZSNGNHODBkS1VLdThBQmdDN0ZreXJTZ05tYzQ4VjBqYk5GSjQzV3FRN2k3YWNNTk14bkRMR3B4V09FUkFzMzAtTkZoODF3aEtfSGNEMVpYLWx3UzVCaE04MDY0TVRyMC14X0U3UG9iVE5WZUlBMUZIQ0ZfZzNIc1h2UU1GeERVeFQydkVXR1dxV2ozdGNiaW0zX0FNRlY0SnQzN3V1R0lNLWdIYW1ud3pIU3ZHcDZ6TDU3b2h2aFctbE5n?oc=5) · Times Republican
- 2022-04-19 [Members 1st associates receive notable recognitions - CUInsight](https://news.google.com/rss/articles/CBMilwFBVV95cUxPaDZzOEJ2bWQxajVEYWVsY3dYZ1pfUW1NZG5mYkpFenh6QWRKajNNNlpJcm1yaHJhSlRkMVdMdnVjVE5Ld19XdjA3ZzFqZHZCWDcxZFpwa1JHX2hnYnhmbkZyRWZLQlBJdUJ4WVl4ZF9ibWR5OFlJMDhoRFJ6aEl6dVZ1TmF2Uk5DWlpyYVY1aF9adjJPZmVB?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62918 (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/6.json (key "62918", 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=62918
- 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