B
Members Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Members Credit Union
Winston-Salem, NC
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Rating B
Asset Quality Index 9.30
Capitalization Index 10.00
Liquidity Index 3.80
Profitability Index 8.80
Stability Index 7.00
Company Info Members Credit Union
Winston-Salem, NC
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NCUA Charter Number 4154
Phone Number (336) 748-4800
Website memcu.com
Asset Quality Members Credit Union
Winston-Salem, NC
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1-Year Asset Growth 4.81%
5-Year Asset Growth 6.08%
5-Year Charge-Offs to Average Loans 0.86%
Charge-Offs to Average Loans 1.66%
Non-Performing Assets to Assets 0.48%
Non-Performing Loans to Capital 3.13%
Non-Performing Loans to Loans 1.07%
Balance Sheet Members Credit Union
Winston-Salem, NC
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Total Assets 461.26M
Total Deposits 391.82M
Capital and Reserves Members Credit Union
Winston-Salem, NC
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Capital 66.56M
Leverage Ratio 14.64
Loan Loss Reserves to Loans 2.33%
Liquidity Members Credit Union
Winston-Salem, NC
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Hot Money Ratio 1.99%
Liquidity Ratio 19.81%
Profitability Members Credit Union
Winston-Salem, NC
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5-Year Return on Average Assets 1.05%
Net Income 3.48M
Net Interest Spread 5.18%
Operating Profit to Average Assets 1.81%
Overhead Efficiency Ratio 67.01%
Return on Assets 1.02%
Return on Equity 7.21%