Sep, 30, 2025 — MEMBERS 1ST CREDIT UNION is a federally insured state chartered credit union headquartered in BRATTLEBORO, VT with 2 branch locations and about $22.46 million in total assets. Opened 69 years ago in 1957, MEMBERS 1ST CREDIT UNION has about 2,124 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MEMBERS 1ST CREDIT UNION |
|---|---|
| Address: (Main Office) | 10 Browne Ct BRATTLEBORO, VT 05301-4427 |
| Phone: | (802) 257-5131 |
| Fax: | (802) 257-5837 |
| Website: | https://www.members1cu.com |
| Branches: | 2 branch locations |
| Members: | 2,124 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 63899 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $22,464,212 |
| CEO/Manager: | Evelyn M Sirois |
| Chairperson: | TAMARA GRAY |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,398,333 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 8,335,690 |
| Unsecured Loans | 1,753,885 |
| Other Loans | 5,339,836 |
| TOTAL LOANS | 15,429,411 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -95,978 |
| Land And Building | 132,452 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 189,425 |
| All Other Assets | 0 |
| TOTAL ASSETS | 22,464,212 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 55,945 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,364,528 |
| Regular shares | 6,941,813 |
| All Other Shares & Deposits | 11,048,706 |
| TOTAL SHARES & DEPOSITS | 20,355,047 |
| TOTAL LIABILITIES | 20,410,992 |
| Regular Reserve | 0 |
| Other Reserves | 288,682 |
| Undivided Earnings | 1,764,538 |
| TOTAL EQUITY | 2,053,220 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 22,464,212 |
| INCOME & EXPENSE | |
| Loan Income | 767,859 |
| Investment Income | 208,295 |
| Other Income | 159,602 |
| Total Employee Compensation & Benefits | 344,849 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 396,805 |
| Non-operating Income & (Expense) | 4,796 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 353,695 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 48,291 |
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