Credit union · NCUA insured
Members Trust FCU
A $24M credit union headquartered in Mason, OH, with 3,121 members and 3 branches in 3 states.
Members Trust FCU Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#81 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Trust FCU
Originally chartered in 1963 as U.S. Shoe No. 1 Federal Credit Union to serve U.S. Shoe employees, Members Trust Federal Credit Union is based in Mason, Ohio.
The credit union adopted its current name in 1995 and subsequently expanded its charter to include associates of Luxottica Retail paid out of the Cincinnati Service Center.
- Headquarters
- 4000 Luxottica Pl, Mason, OH 45040
- NCUA charter
- 15874
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Associates of EssilorLuxottica S.A. who work in, are paid from, or are supervised from Dallas, Texas are eligible for membership.
Family and household
- Immediate family members or household members of an existing member in good standing of Members Trust Federal Credit Union are eligible for membership.
Branches
3 branches in 3 states
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Georgia
1 branch
- McDonough Georgia Satellite Office100 Greenwood Industrial Pkwy, McDonough, GA 30253Directions
Ohio
1 branch
- Main OfficeMain office4000 Luxottica Pl, Mason, OH 45040Directions
Texas
1 branch
- Co-Op4950 Amon Carter BLVD, Fort Worth, TX 76155Directions
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 | 19.11% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.05% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.68% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio19.11%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.05%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$70Peers’ 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 Trust FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.