# MEMBERS 1ST
Saint Louis, MO · NCUA charter 67770 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-1st-67770

Who the members are: state charter, organized 1951. 4,190 members of 2,017,358 potential (0.2% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *ordinary*. 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 | $75.0M |
| Members | 4,190 (-0.9% YoY) |
| Full-time staff | 16 |
| Net worth | $7.3M |
| Net worth ratio | 9.7% (p17 of band) |
| ROA (annualized) | 0.67% (p48 of band) |
| Total delinquency | 0.21% (p21 of band) |
| Net charge-offs (annualized) | 0.19% (p44 of band) |
| Loans / shares | 73% (p73 of band) |
| Cash / assets | 32.9% |
| Borrowings / assets | 1.45% |
| Net interest margin | 3.52% (p42 of band) |
| Operating expense / assets | 3.31% (p42 of band) |
| Vehicles % of loans | 25% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 98% (p85 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.60% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 14% |
| Average share balance | $8,698 |
| Participations bought / yr | $592,312 |
| Participations sold / yr | $59,568 |
| Participations outstanding | $3.2M |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $19,782 |
| Loans granted, annualized | $23.2M |

## Participation posture (from the same filings)

Bought $592,312 and sold $59,568 in the latest annualized quarter; $3.2M outstanding purchased (43.4% of net worth), $276,959 sold and retained. Sold in 6 and bought in 8 of the last 8 quarters. Shares 8.4% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 3 | members leaving |  |
| 2017-06 | 2 |  | thin capital |
| 2017-09 | 2 | thin capital | members leaving |
| 2017-12 | 2 | delinquency rising | thin capital |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | thin capital |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | thin capital |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 3 | thin capital |  |
| 2024-09 | 3 | delinquency 2x band | thin capital |
| 2024-12 | 1 |  | delinquency rising, delinquency 2x band |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | delinquency rising |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 | delinquency rising | 3rd-party paper>100% NW |
| 2026-03 | 1 |  |  |

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

- 2019-07-23 [Dale Gingrich – Members 1st Federal Credit Union - Blueprint Magazine](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOOVlVcWVGclRuYUkzRDZPUEFoZ2ZFUGwwa0hCanVCNnQ4MEtWQURMdlo1c1luYnJWX3lXTTJGS045QjZIdDFXdW1lS1hISUVfbDQ5ZWd1LVNVWURSSE5tVkFRZ0dXSnpLLW9xdlB0Y3hjNU9rYmFsdDhkQlpzOHRxUFVvUGtaWGtRcFNn?oc=5) · Blueprint Magazine
- 2024-05-08 [1st MidAmerica Credit Union celebrates 90 years: A foundation of ‘trust, care, commitment’ - Illinois Business Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNSlZyWHk4S3JLWF9QSmZQVDA4ckF4ZEhCd014aTlKbUNtandaMEoxb09WQjFFT3d1eV9RRHYzSzVqVG5JQUNMWm9nQUhjbmNsbHhWa181RnZKTGZRMHRRUHZoZTZCQW42ZVRyVWdlTkpwckVfU2xZSU5GZmdfQXhiMFhSa2ZISlZXXzRxWXJPUGdXdG1iTmxRWlVBR0hGaEV4eDcxZ0drVzJJNG9nbzNkUUJidzQzQnZrc2RzS1dsQmI?oc=5) · Illinois Business Journal
- 2025-09-23 [Credit union with big St. Louis presence to merge with Texas-based financial firm - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNFVBTklWVVdELVg4TGh6enBxbFNqemRhT2RLODdMMzZwWFJDUXRTVHEzUDg1anl3ZUZjQnNNUVVFeDZPcjdNbkJEMFlDeDJRN21zczZJejZibGhGaVJNLU5aUjA4aWVHeUpHRWhWUU5TMUJaNEZNY08tQVl2Z2pKVHdiQ3hiWDRrYmJKc2M5c3lkeDZiQ0FnTGRhLXB1OWs0NFRVNUJR?oc=5) · The Business Journals
- 2026-02-05 [America’s Best Financial Services of 2026 - Time Magazine](https://news.google.com/rss/articles/CBMicEFVX3lxTFBoTkN6VU5WZHhwQjZqdk9LVVdGTUdJVHUyX2NBR09wOGVaOWtkaGNJeWpBeG1QZGh4Zk9GSE1nVkgtUzRZYUxSeGlNUUJFU0xCdG0wc0xLbHM0MXRPSEc3X2hJVTZuUWxHUTJaMWZnNVE?oc=5) · Time Magazine
- 2024-06-30 [Lee Usina Obituary Jun 30, 2024 - C.Z. Boyer & Son Funeral Homes](https://news.google.com/rss/articles/CBMiV0FVX3lxTFB2bG9oQWd0UHVLektnN2dnVHBkVGpRNEM3X1dXQ0o0UklkenFJYm52b1psNWRWYTlpUUhCd285TDMyX1B3aDJqeWh6M25Wa2hhZXlzXzNyMA?oc=5) · C.Z. Boyer & Son Funeral Homes
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2016-08-07 [Moving Up for Aug. 7, 2016 - ydr.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOREVmOGFwT2FMS1V5Sjh2NWxoTklMWnA4LTNwSnhkaGkyRWctbWNJUm5LRF9zU3lJOW9CRllGbHdnalk5VmFxTFZaanM1eHBQanRFdkdJVTIyUzkwS0RaN0pxWTROVlM0UEJuM2ZMZ29PREdQZklXVTNqMy1YOXVIS2duc0UxMmEtN2c?oc=5) · ydr.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67770 (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/58.json (key "67770", 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=67770
- 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.

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