Credit union · NCUA insured
Members 1st Credit Union
Top CarrotA $75M credit union headquartered in St. Louis, MO, with 4,190 members and 2 branches in Missouri. Best rates: CDs 4.84% and savings 2.43% APY.
Members 1st Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#7 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members 1st Credit Union
- Headquarters
- 4702 Mattis Rd, St. Louis, MO 63128
- NCUA charter
- 67770
Branches
2 branches in Missouri
Loading map…
Missouri
2 branches
- Mattis RoadMain office4702 Mattis Rd, St. Louis, MO 63128Directions
- Festus Office1200 E Gannon Dr, Festus, MO 63028Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.76% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.24% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.82% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $73 | $59 | — |
- CapitalNet worth ratio9.76%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.24%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.82%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$73Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Members 1st Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.