MEMBERS FIRST
State-Chartered • Midland, Michigan • Est. 1936
Quick Facts
- Charter Number
- #62076
- Type
- State-Chartered
- Established
- 1936
- Headquarters
- Midland, Michigan 48641-2165
- Address
- PO Box 2165
- Branches
- 11
- ATMs
- 11
- Members
- 67,490
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
67,490 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MEMBERS FIRST |
|---|---|
| Total Assets | $900.6M |
| Members | 67,490 |
| Loans Outstanding | $637.9M |
| Shares & Deposits | $777.1M |
| Net Worth | $81.3M |
| Net Worth Ratio | 9.01% |
| Loan-to-Share Ratio | 82.1% |
| Delinquency Rate | 1.14% |
| Net Income | +$12,125,334 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
11 locations · 11 ATMs
Members First Credit Union - Wackerly
Main Office600 W Wackerly St
Midland, MI 48640-4702
Members First Credit Union - Dartmouth Office
400 Dartmouth Dr
Midland, MI 48640
Members First Credit Union -Mt. Pleasant Bluegrass
4490 E Blue Grass Rd
Mt Pleasant, MI 48858
Members First Credit Union-Clare Office
650 W 5th St
Clare, MI 48617
Members First Credit Union-Evart Office
201 E 7th St
Evart, MI 49631-8312
Who Can Join MEMBERS FIRST?
Membership Type: Community
Membership eligibility for MEMBERS FIRST may vary. Contact the credit union directly to confirm qualification requirements.
Contact MEMBERS FIRST directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. MEMBERS FIRST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MEMBERS FIRST has 67,490 members and a potential membership field of 10,037,261 people.
MEMBERS FIRST's net worth ratio is 9.01% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.0%, MEMBERS FIRST meets this threshold.
MEMBERS FIRST operates 11 branch locations and has access to 11 ATMs. The main office is located at 600 W Wackerly St, Midland, MI 48640-4702.
MEMBERS FIRST was established in 1936. It is a state-chartered credit union chartered under charter number 62076. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MEMBERS FIRST. All financial data is for informational purposes only.