# MEMBERS "FIRST" COMMUNITY
Quincy, IL · NCUA charter 63368 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-first-community-63368

Who the members are: state charter, organized 1954, low-income designated. 7,470 members of 50,000 potential (14.9% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 88.

**Verdict on the desk:** this could be *fortress*. 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 | $111.3M |
| Members | 7,470 (2.8% YoY) |
| Full-time staff | 25 |
| Net worth | $28.1M |
| Net worth ratio | 25.2% (p99 of band) |
| ROA (annualized) | 2.46% (p98 of band) |
| Total delinquency | 0.10% (p7 of band) |
| Net charge-offs (annualized) | 0.54% (p70 of band) |
| Loans / shares | 94% (p95 of band) |
| Cash / assets | 20.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p76 of band) |
| Operating expense / assets | 4.83% (p84 of band) |
| Vehicles % of loans | 37% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.10% (p12 of band) |
| Vehicle NCO | 1.11% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 3% |
| Average share balance | $5,468 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 88% |
| Loans granted per 100 members, annualized | 41% |
| Average loan balance | $11,735 |
| Loans granted, annualized | $28.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | loans>95% of shares |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 0 |  | loans>95% of shares, delinquency rising |
| 2018-06 | 2 | expense trap, loans>95% of shares |  |
| 2018-09 | 1 |  | expense trap |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | expense trap | loans>95% of shares |
| 2019-06 | 2 | loans>95% of shares |  |
| 2019-09 | 1 |  | expense trap |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 | net worth falling | loans>95% of shares |
| 2020-09 | 1 | loans>95% of shares | delinquency rising, net worth falling |
| 2020-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2021-03 | 2 | margin squeeze | loans>95% of shares, delinquency rising |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 1 | margin squeeze |  |
| 2022-03 | 1 | expense trap | margin squeeze |
| 2022-06 | 0 |  | expense trap |
| 2022-09 | 1 | loans>95% of shares |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 | net worth falling | delinquency rising |
| 2025-06 | 2 | margin squeeze | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | net worth falling, delinquency rising | loans>95% of shares, margin squeeze |

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

- 2026-02-21 [Members First Community Credit Union to celebrate grand opening of new headquarters at 24th and Broadway - Muddy River News](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNemJEeFlhNFU4clZ3YU0tRDhYZUxLRS1CMy1VQlBkamU3Yl9HS2luSXpOdi1PZXNHUGw0ZmtabGR0eVJJOHdqV3JFMDVGeW5FZ2J6MW1Vb0x0Z3QxV3FXZ0MxZmZLcXlWaTZET1lERlEzcXM3eWFpU3FEdlExTUREdXFoSUFIckt6Qi1PQjh0RlE2QjREbnpPRkxRSWxkeWhoYWtmVENrSmU5S1ZXd3VYS0QwRjB1alE2bkVDX1JmSnFTS2lvQzJ5eXFiYnVtd2s2UkdzdEM0YWtrcXhPSEUwZFVzMlVyRHpJTGxYLVhmaw?oc=5) · Muddy River News
- 2025-11-02 [Members First Community Credit Union doubles giveback to local schools through School Spirit Community Card Program - Muddy River News](https://news.google.com/rss/articles/CBMiiwJBVV95cUxONDJFdkJnQzNTZVN1SnpZdjFUTlhMTVlXNW1VaXJrelZVU0h3eTZpNnQxTnpRWEFObF9nZEJIV094bEp6QzlQaWRNbm5jNXU0X3IxaEh0NENzXzlUSEpycVdYbm9Bd0dMZG5Od2Ewd25LeXg2OXVoVGxsNHFtc1dOQUphMHQwRUFIQTlRMUlKSmlSYUJwc3RsSTlhTHBFZ2Q0T0RnTmVKTzlFN1NvWEdETDNQUmtoTHNleWF5U3QwU3VwdzYyYTg5NkNnMkxoX3h0MVlpQll3c3B4Nk1aUHFqSi1BdDdmd09mMnk4YmcwYkRicUF3Rmp1emtwaXM0aEd1TWNlMDY5VnNvRkk?oc=5) · Muddy River News
- 2026-03-10 [Option 3: Lower-Cost Loans - New America](https://news.google.com/rss/articles/CBMivAFBVV95cUxOZ0tfVFJCaU5qdlpicDlzdkhpeE1PaGpoYllTYnpaSnZZN0R0S3pIMlNDVFVLNjhOdXB2QkR6aHN6TzBfNS1ydDlGMHVyQXM1cUNoTzg0SHBPX1BGTWZHajAxaU8wLUtzRmlHQ0xRVUg4YmFDVVlfUkNhZ2NzbUpJejVVTEkydm5zLV9LV3NHTy1wemljclRfRUxERmR6QUN1TDdBN205RnNCUnA0eUdEX0FuLXo4VDlkSHAzRA?oc=5) · New America
- 2025-04-08 [Best Banks and Credit Unions in Illinois 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxQSWFQZXU0Rm5INVViSUc2OU0xbDFFRnFMTGlaeTZoQnRtMkFCblpjV1JDbl96N3FsSFFkZHRKRFdXZEM0aHFETWZzR3Bqb3NDdll2Ry1vUFJ6dXY1TWJUdjN4ZmdXUE9xVkdwaVA2b2R1THJ6N2FPQzBneFVnMnZwbExNaFhrNFRONWdWYl82MA?oc=5) · Newsweek Rankings
- 2026-05-26 [Loretta Goodwin Obituary (2026) - Quincy, IL - Duker & Haugh Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPX3JSaXdDaEh3V0MwQ083N1NqR2djcFR1b0ozbDNWUTRWR3A2R2xUdFhKVXlYdnpzUkFkaFJvSVI0N24xUU1KU2lIVndGWGYtYzNrTHRjQW5SZEZJWEFpOXA4bUFUMzM3bVRUNTBPV3JmZkRKdEYwc2FDZDY3TVFucHlkVDQ?oc=5) · legacy.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2026-03-17 [Real estate transactions in Adams County for Mar. 9-13, 2026 - Muddy River News](https://news.google.com/rss/articles/CBMiswFBVV95cUxOcDNwbTVxeFNSZE1nVFdycFV4ZkU1WHc3NzF6V196a1lSSTFTcWJyUEE5M3NtbEd1ODN0QnQ0Mnd1RUptcWtRLS1aSUJhT1ZFQ0g2UHRjNlFYU3JIZkJHWG1YNkRUMEVrMXYxUWVMa1M5TW44bUpBek5WVGFNeVBOZWI0YXlObnJuN29IVjhYTldSa3pYYi12bUg3amNCeFRiaWNnN3R6VTluNF9VaDZJMk1nMA?oc=5) · Muddy River News
- 2024-01-01 [Real estate transfers in Adams County from Dec. 18-22, 2023 - Muddy River News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOYzFHd0RxRUVFUHQ1VXJrV1VVSG4yeGliQnllRFpWUDBNU3FFYVpva2xwMGZTdlMzTjdwSGx3b1NJNXZiSThYdEZZcW9seG5aNVIxcXZiSjl5R3ZpeVdKVl9NV3hlMlZiXzhYZ2dGNjU2V0FjUUZESDhMZDhDOTR0TnhSWDNBTXVBZnNCanRTRzRyNE1jbmNlazBPeE1CdmhabHNXSmg0NDJVc3g3bWNkeXduT1Bjb3JLbHNsX0RoZHN3c1FTLWp0SnJhcG53cnFodkI0QnplUVZ6YjQ?oc=5) · Muddy River News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63368 (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/8.json (key "63368", 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=63368
- 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