# MEMBERS 1ST
Enola, PA · NCUA charter 6694 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-1st-6694

Who the members are: federal charter, multiple common bond, organized 1950. 629,837 members of 2,967,986 potential (21.2% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.61B |
| Members | 629,837 (3.4% YoY) |
| Full-time staff | 1260 |
| Net worth | $1.24B |
| Net worth ratio | 14.3% (p91 of band) |
| ROA (annualized) | 2.23% (p100 of band) |
| Total delinquency | 0.72% (p62 of band) |
| Net charge-offs (annualized) | 0.52% (p52 of band) |
| Loans / shares | 94% (p75 of band) |
| Cash / assets | 6.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p94 of band) |
| Operating expense / assets | 3.05% (p41 of band) |
| Vehicles % of loans | 43% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 94% |
| Third-party paper % of net worth | 236% (p73 of band) |
| Vehicle delinquency | 0.52% (p44 of band) |
| Vehicle NCO | 0.53% (p20 of band) |
| Repossessed % of vehicle book | 0.12% (p66 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 92% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 33% |
| Average share balance | $5,926 |
| Participations bought / yr | $40.0M |
| Participations sold / yr | $28.0M |
| Participations outstanding | $345.7M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $20,530 |
| Loans granted, annualized | $2.38B |

## Participation posture (from the same filings)

Bought $40.0M and sold $28.0M in the latest annualized quarter; $345.7M outstanding purchased (28.0% of net worth), $117.5M sold and retained. Sold in 7 and bought in 8 of the last 8 quarters. Shares 1.5% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | loans>95% of shares |  |
| 2017-12 | 2 |  | thin capital |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | leaning on borrowings |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 1 |  | loans>95% of shares, leaning on borrowings |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | margin squeeze |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | delinquency rising, loans>95% of shares |  |
| 2023-03 | 2 |  | loans>95% of shares |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | loans>95% of shares |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | delinquency rising, loans>95% of shares |
| 2024-06 | 2 | loans>95% of shares |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | loans>95% of shares |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | loans>95% of shares |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | loans>95% of shares |

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

- 2026-09-02 [Members 1st Federal Credit Union Review | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMiekFVX3lxTE8yM0ZhOEdVcmt4WjhPZXZUQ01VXzI4ZnVrY2Nab2N5Q0g2UmdXSE1MbkxOMnBEQTJQUHVkc3V0a3ZsS3hRTmRBTU1RNlRWZF9WQ1FLTGFja3VjYVFKUEVNSzN3V1UzeTFoRElEaEpLV2NpS29tRnA0MFhR?oc=5) · U.S. News & World Report
- 2026-07-09 [Members 1st Federal Credit Union names Zak Tyminski Chief Commercial Lending Officer, introduces new leadership role to drive growth - CUInsight](https://news.google.com/rss/articles/CBMiggJBVV95cUxOa0Yyb285dW5FTTZBRWViRVpEdFVKWkV2S1lLek1OZTYtbXAtY1pVbjZ4UWpDZTZXY3VwcVdObGZmbGZSM2Nlb25iWFhVZVpMYi1FcEIwQ3c5aUNSZ3lkY2l4MWNaVGlDQmFUZl9MZVl2WUpzdzZvOVJ5S25IdkRGWC1hRGFPdkRGYnU1V24zc3JEaHhjOFdYbjd1ZDc2NHZldG1QbXFOcGhqRXBFMHVvQ1ZJakgwaEQ4a0JZdWszbDBraEtrbmQ2UldKaWFPX29KcURPaVNuV2VqMGNRbmpKaTF0dHI4Y2NVMkdQMFlRZ045eFhSaElYYzNRblI3dXl3MUE?oc=5) · CUInsight
- 2026-08-18 [Members 1st Federal Credit Union – Building Strong Money Habits in Kids - ABC27](https://news.google.com/rss/articles/CBMipwFBVV95cUxOYVl1N0RIRjMwT25YUFFHUVY1Qkh1Wnd1MGh5REVnMU1JNlNfbEdSNFBMVTBnOVdkZTVrejZuek9zSUJvWUVrVjUyWm0wWGhndldyZDY3LWNHN0FacXdqNVFOUEFxbE8wazdobmk1Rjk1bzh4WWI1eXNqZzRPaEpsNE1tWFJaaDJaOTFDeWw2eGUtYzgyaWtDNWd2Q1htMnd1RjVIQUNkNNIBrAFBVV95cUxOM3JoRnVjUjN1WXBHRmZaWFlha20zVHZmVm1ScndWazdVZkYzR3hoRlQtRThWWllXRzVXT1NfZ0ZIMG1UUVp6X3lTZmZWTVM1eTAwRzlyUzUzOWJUajNCcWgxYlBmU2dBTDA5ODdmaWpkeGhpUmJMajF5OGI2SXdwTjBmVm9MQ3hhZ0RYU3RfLXlBLXhnT2czMHZCZW5paFVyYWlkaTA0WXFPa3RW?oc=5) · ABC27
- 2026-04-29 [Members 1st earning recognition for community impact, leadership - Central Penn Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxOLWlQMGpJUmU5b0Y4TnhXazdOTTQzNWVTMS05cmZSckxYdkExS0dBM2tyUnlUMWJTaDRRcGZDMkpDcHNMUGUwM01XSGZwaXFHVzRlcUJSWVFWemxzV19SRGJzQmRXaTBNTXJxZW1KMGZUQm1jWW1sZ2ZTMHBNWHkzVnZsa09QZDY2allRM0dn?oc=5) · Central Penn Business Journal
- 2026-07-02 [Patriotism and purpose: Members 1st Federal Credit Union marks America’s 250th anniversary - cumberlink.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNzVpRFJ3VEVyOVRhWGJBb3M4WGV5c3E0d0VrQmFaNVlXVkZBbGt1dGxYQTFKYkVEd1hiZGN6dU1veGNJek0wTXNmdmdiT01HNWFBaWoxM2FzZktERkVVVVllcVViQnJtNHZZcjUzdmNxOWw5RDFBeWd5NEVVeXNxb1lqd2ZudG9jczZXX25lMTJOZw?oc=5) · cumberlink.com
- 2026-04-09 [What Are the Top-Rated Credit Unions? 4 Options in PA - TheBurg](https://news.google.com/rss/articles/CBMiogFBVV95cUxOaUdobXFFb3VudnBMNW1KTU9WY0lkSVNiZGlYUUhYa0EwckpyY19HUlpLVGg4eTZUcVlBaWN1ZUhER2kwMnRFV2xrQ3RKNlVvWmpxQVFXU3ZqX2xBdFZRcl93VWI2U0dDZFpQdGtrQVp4a3NvNGdkbi1La3dNVS1scUtOUjctNm5Ya3FiWVFULUZoZWdpNWp4V0k0dl9uRUdUTEE?oc=5) · TheBurg
- 2026-06-16 [Members 1st Federal Credit Union - ABC27](https://news.google.com/rss/articles/CBMiekFVX3lxTFB4cGJGRXVFNHFyWnpwdXE0OVRWWERtZ3dQLXJpY1d1bzd1OG5YdUFtM2pVTWtGQVBDcDlKNEYwODhEYUhLUXFMVjZzQ0x5bUU5M2NoOXRNNUVwT1FzeEJlWTRCRkpXZXRQLU5OUDV3dGNiSFdiMUZMaTNB?oc=5) · ABC27
- 2025-12-30 [Members 1st Federal Credit Union caps off 75th anniversary year with first-ever car giveaway - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxPZnpIc19LTVBHRmJrY1g1TGZWbUJrSW9lLXJ0TGk2UjNIQVZjR3c3Q1FEZ2k4RG1jV0phRFNna0o1MlVEX0k4ZDE4ME96aU1ZRXAtY2FDdnppXzlXRm42akZuVmF2NHA3N2lwRGxJVnN2VDBEZmg4RVBoc2F2R0FGMkIzaG9ZV1hkMTQ2aDRqMzZ2cXJVMi0yXzlNeUMtdVhDMlhVZ096S05QUTFYelNVMFNZUlVYbHBpUEoza05vMFhJanpEUVdrQzUyRlNUUQ?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6694 (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/38.json (key "6694", 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=6694
- 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