Credit union · NCUA insured
Members First Community CU
A $111.3M credit union headquartered in Quincy, IL, with 7,470 members and 1 branch in Illinois.
Members First Community CU Carrot Score
86
Carrot Score
Higher than 73% of U.S. banks and credit unions
#1 of 10 in Quincy, IL-MO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members First Community CU
Members First Community Credit Union is a member-owned cooperative chartered in February 1954 and based in Quincy, Illinois.
Originally organized as Quincy Chapter Credit Union, it was formed by directors of local credit unions in Adams, Brown, Pike, and Schuyler counties who could not borrow from their own institutions.
Over time, several company credit unions merged into a unified community charter, which now serves around 7,000 members across two locations.
It has been a certified Community Development Financial Institution since 2014 and a Low-Income Designated Credit Union since the early 1990s.
- Headquarters
- 329 N 24th St, Quincy, IL 62301
- NCUA charter
- 63368
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Adams County, Brown County, Pike County, or Schuyler County in Illinois are eligible for membership.
Employers and groups
- Employees of any of the credit union's Employer Groups are eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- A one-time entrance fee of $5 is required for membership (no entrance fee for youth accounts).
- Primary Shares account requires a minimum balance of $25 to maintain membership (youth members 17 or younger may build up to the $25 minimum).
Branches
1 branch in Illinois
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Illinois
1 branch
- 329 North 24th StMain office329 N 24th St, Quincy, IL 62301Directions
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 | 25.42% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.03% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.79% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $96 | $76 | — |
- CapitalNet worth ratio25.42%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.03%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.79%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$96Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 First Community CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.