Sep, 30, 2025 — MEMBERSFIRST CREDIT UNION is a federally insured state chartered credit union headquartered in DECATUR, GA with 15 branch locations and about $413.93 million in total assets. Opened 73 years ago in 1953, MEMBERSFIRST CREDIT UNION has about 26,154 members and employs 97 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MEMBERSFIRST CREDIT UNION |
|---|---|
| Address: (Main Office) | 2476 Lawrenceville Hwy DECATUR, GA 30033 |
| Phone: | (404) 978-0080 |
| Fax: | (404) 978-0095 |
| Website: | https://www.membersfirstga.com |
| Branches: | 15 branch locations |
| Members: | 26,154 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67538 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $413,934,054 |
| CEO/Manager: | Terry L Hardy |
| Chairperson: | Richard B Dalrymple |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 53,912,357 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 150,791,283 |
| Unsecured Loans | 17,097,860 |
| Other Loans | 107,901,005 |
| TOTAL LOANS | 275,790,149 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,533,452 |
| Land And Building | 12,358,059 |
| Other Fixed Assets | 1,060,229 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,588,071 |
| All Other Assets | 71,340 |
| TOTAL ASSETS | 413,934,054 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,494,279 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 51,238,978 |
| Regular shares | 137,533,207 |
| All Other Shares & Deposits | 175,383,602 |
| TOTAL SHARES & DEPOSITS | 364,155,788 |
| TOTAL LIABILITIES | 366,650,067 |
| Regular Reserve | 0 |
| Other Reserves | 12,337,017 |
| Undivided Earnings | 34,946,970 |
| TOTAL EQUITY | 47,283,987 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 413,934,054 |
| INCOME & EXPENSE | |
| Loan Income | 11,053,065 |
| Investment Income | 3,199,822 |
| Other Income | 1,632,830 |
| Total Employee Compensation & Benefits | 5,821,248 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,176,396 |
| Non-operating Income & (Expense) | -54,375 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 707,500 |
| Cost of Funds | 5,381,927 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,700,195 |
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