Charter 60002 · Winston Salem, NC

Members Credit Union (Winston Salem, NC)

Members Credit Union is a state-chartered credit union in Winston Salem, North Carolina, with $477 million in assets and 46,799 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.83%, well above the 7% that NCUA's rules treat as well capitalized.

Total assets: $477 million; +4.0% in a year
Members: 46,799; -1.8% in a year
Net worth ratio: 14.83%; Peer median 11.65%
Loans 60+ days late: 0.82%; Peer median 0.70%
Loans outstanding: $188 million; +1.6% in a year
Shares and deposits: $404 million; +3.5% in a year
Branches: 17; 122 employees
Opened: 1953; North Carolina charter

How Members Credit Union compares

NCUA groups credit unions by size; Members Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 14.83% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.82%, is higher than the group median of 0.70%. Loans grew 1.6% over the year to Q2 2026, against a group median of 2.9% growth.

By assets it ranks 14 of 57 credit unions headquartered in North Carolina. See all North Carolina credit unions.

Five quarters of figures

Quarter	Assets	Members	Loans	Net worth ratio	60+ days late
Q2 2026	$477 million	46,799	$188 million	14.83%	0.82%
Q1 2026	$482 million	47,453	$186 million	14.35%	0.95%
Q4 2025	$460 million	47,763	$187 million	14.82%	1.14%
Q3 2025	$461 million	47,600	$189 million	14.63%	1.07%
Q2 2025	$459 million	47,665	$185 million	14.42%	1.02%

Assets Members

Who can join

The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 125,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.

Credit unions that anyone in the US can join

Locations

NCUA's branch file lists 18 sites for Members Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.

Members Credit Union - Main (main office)
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103
Members Credit Union - Lenoir
1240 Morganton Blvd Sw, Lenoir, NC 28645
Members Credit Union - Lincolnton
1822 N Aspen St, Lincolnton, NC 28092
Members Credit Union - Lumberton
4344 Fayetteville Rd, Lumberton, NC 28358
Members Credit Union - Elkin
827 N Bridge St, Elkin, NC 28621
Members Credit Union - Morganton
121 Wamsutta Mill Rd, Morganton, NC 28655
Members Credit Union - Greensboro
3925 Sedgebrook St, High Point, NC 27265
Members Credit Union - Newton
2475 Northwest Blvd, Newton, NC 28658
Members Credit Union - Hickory
2142 12Th Ave Ne, Hickory, NC 28601
Members Credit Union - High Point
1701 Westchester Dr Ste 510, High Point, NC 27262
Members Credit Union - Thomasville
1033 Randolph St Ste 21, Thomasville, NC 27360
Members Credit Union - Valdese
835 Main St W, Valdese, NC 28690
Members Credit Union - Hope Mills
3333 N Main St Ste 120, Hope Mills, NC 28348
Members Credit Union
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103
Members Credit Union
180 War Eagle Dr, Mocksville, NC 27028
Members Credit Union - Museum Drive
5995 Museum Dr, Winston Salem, NC 27105
Members Credit Union Gastonia
1475 N New Hope Rd, Gastonia, NC 28054
Members Credit Union - Statesville Branch
1913 W Front St, Statesville, NC 28677

About these numbers

Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology