Unverified listing What this means
The Lender Report built this page from public records. Members 1st Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Members 1st Credit Union itself. Each figure shows its source and date. Work at Members 1st Credit Union? You can claim this page for free.
Credit union, Enola, PA
Members 1st Credit Union, Enola, PA
A credit union based in Enola, PA. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.13B
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 109
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 2
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $8.66B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 717-697-1161 From the NCUA record, June 30, 2026.
- Website
- www.members1st.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- MEMBERS 1ST; MEMBERS 1ST FCU; Members 1st FCUNCUA 5300,
- Address
- 5000 Marketplace Way, Enola, PA 17025NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - primarily military.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 20.7% to $450.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 48.8% to $122.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Lancaster County, PA | Refinance, 50 to 99 units | $10M | 6.75% | 10 yr | 65% | HMDA 2025 |
| 2025 | Dauphin County, PA | Refinance, 5 to 24 units | $1.8M | 7.35% | 2 yr | 80% | HMDA 2025 |
| 2025 | Lancaster County, PA | Purchase, 5 to 24 units | $1.8M | 7.15% | 3 yr | 70% | HMDA 2025 |
| 2025 | Dauphin County, PA | Purchase, 5 to 24 units | $1.2M | 7.28% | 10 yr | 72% | HMDA 2025 |
| 2025 | Lancaster County, PA | Refinance, 25 to 49 units | $720K | 7.25% | 10 yr | 42% | HMDA 2025 |
| 2025 | Lehigh County, PA | Purchase, 5 to 24 units | $700K | 6.75% | 10 yr | 73% | HMDA 2025 |
| 2025 | Lehigh County, PA | Purchase, 5 to 24 units | $560K | 7.55% | 10 yr | 44% | HMDA 2025 |
| 2025 | Lehigh County, PA | Purchase, 5 to 24 units | $520K | 6.75% | 10 yr | 80% | HMDA 2025 |
| 2025 | York County, PA | Refinance, 5 to 24 units | $460K | 10 yr | 58% | HMDA 2025 | |
| 2025 | Schuylkill County, PA | Purchase, 5 to 24 units | $220K | 7.35% | 10 yr | 60% | HMDA 2025 |
| 2025 | Lancaster County, PA | Refinance, 5 to 24 units | $220K | 7.5% | 10 yr | 38% | HMDA 2025 |
| 2025 | Lancaster County, PA | Refinance, 5 to 24 units | $200K | 7.25% | 10 yr | 58% | HMDA 2025 |
| 2025 | York County, PA | Improvement, 5 to 24 units | $200K | 7.85% | 10 yr | 59% | HMDA 2025 |
| 2025 | Cumberland County, PA | Improvement, 5 to 24 units | $160K | 8.25% | 40% | HMDA 2025 | |
| 2025 | Harrisburg-Carlisle, PA | Refinance, 5 to 24 units | $75K | 7.25% | 10 yr | 33% | HMDA 2025 |
| May 2025 | Pennsylvania | SBA 504, Accommodation and Food Services | $1M | 25 yr | SBA FOIA | ||
| 2024 | Lancaster County, PA | Refinance, 5 to 24 units | $920K | 7.5% | 10 yr | 44% | HMDA 2024 |
| 2024 | Dauphin County, PA | Purchase, 5 to 24 units | $580K | 7.25% | 5 yr | 80% | HMDA 2024 |
| 2024 | Dauphin County, PA | Refinance, 5 to 24 units | $560K | 7.25% | 10 yr | 80% | HMDA 2024 |
| 2024 | Cumberland County, PA | Refinance, 5 to 24 units | $560K | 7.25% | 10 yr | 44% | HMDA 2024 |
| 2024 | York County, PA | Purchase, 5 to 24 units | $540K | 7.25% | 10 yr | 80% | HMDA 2024 |
| 2024 | Dauphin County, PA | Refinance, 5 to 24 units | $520K | 7.5% | 10 yr | 54% | HMDA 2024 |
| 2024 | Dauphin County, PA | Purchase, 5 to 24 units | $500K | 6.75% | 10 yr | 68% | HMDA 2024 |
| 2024 | Cumberland County, PA | Purchase, 5 to 24 units | $500K | 7.15% | 10 yr | 72% | HMDA 2024 |
| 2024 | Lancaster County, PA | Purchase, 5 to 24 units | $440K | 8.25% | 10 yr | 60% | HMDA 2024 |
| 15 multifamily loans made in 2025 | $18.9M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $94.2M | 1.3% | -1.4% | 255 | $370K |
| Construction and land development | $122M | 1.7% | +48.8% | 37 | $3.30M |
| Owner-occupied CRE | $393M | 5.6% | -7.8% | 546 | $719K |
| Non-owner-occupied CRE | $451M | 6.4% | +20.7% | 424 | $1.06M |
| Farmland | $337K | 0.0% | Not reported | 2 | $168K |
| Commercial and industrial | $68.1M | 1.0% | +17.3% | 231 | $295K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $1.13B |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $793M |
| Q4 2023 | $823M |
| Q1 2024 | $864M |
| Q2 2024 | $916M |
| Q3 2024 | $961M |
| Q4 2024 | $997M |
| Q1 2025 | $1.04B |
| Q2 2025 | $1.04B |
| Q3 2025 | $1.06B |
| Q4 2025 | $1.10B |
| Q1 2026 | $1.12B |
| Q2 2026 | $1.13B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 15 | $18.9M | $525K | $10M | HMDA, |
| Multifamily, 5 or more units | 2024 | 18 | $7.36M | $370K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 115 | $21.7M | $155K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 2 | $2.40M | $1.20M | $1.4M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 109 | $105M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 20 | $8.01M | NCUA 5300, | ||
| Construction | First half of 2026 | 8 | $14.6M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 31 | $12.0M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 50 | $70.2M | NCUA 5300, | ||
| C&I | First half of 2026 | 31 | $11.5M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: name and lender office city.
| Book | Average loan |
|---|---|
| Construction and land development | $3.30M |
| Multifamily | $370K |
| Owner-occupied CRE | $719K |
| Non-owner-occupied CRE | $1.06M |
| Farmland | $168K |
| Commercial and industrial | $295K |
Programs on record: Federal Home Loan Bank member, Pittsburgh district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Pennsylvania HQ | 61 | 15 | 107 | 0 | 2 |
| New Jersey | 0 | 0 | 3 | 0 | 0 |
| Delaware | 0 | 0 | 1 | 0 | 0 |
| Georgia | 0 | 0 | 1 | 0 | 0 |
| Maryland | 0 | 0 | 1 | 0 | 0 |
| South Carolina | 0 | 0 | 1 | 0 | 0 |
| West Virginia | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Lancaster County, PA | 8 | $14.5M |
| Dauphin County, PA | 7 | $5.50M |
| York County, PA | 6 | $2.02M |
| Cumberland County, PA | 5 | $1.63M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Harrisburg-Carlisle, PA | 13 | $7.20M |
| Lancaster, PA | 8 | $14.5M |
| York-Hanover, PA | 6 | $2.02M |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $2.31M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $1.06B | $445M to $1.25B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $1.23B | $0 to $1.31B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 115.6% | 0.0% to 144.2% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $192M | $58.1M to $285M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 52.1% | 0.0% to 179.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 81.0% | 38.4% to 88.8% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Citadel Credit Union | PA | $6.87B | $500M |
| Pennsylvania State Employees Credit Union | PA | $9.65B | $54.1M |
| Police & Fire Credit Union | PA | $10.2B | $0 |
| American Heritage Credit Union | PA | $5.36B | $918M |
| Trumark Financial Credit Union | PA | $3.63B | $306M |
| Dfcu Financial Credit Union | MI | $8.04B | $1.14B |
| Communityamerica Credit Union | KS | $9.02B | $1.37B |
| Michigan State University Credit Union | MI | $8.87B | $1.02B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Members 1st Credit Union, NCUA charter 6694. Compare it with the regulator's record. [NCUA profile]
- Balances. $8.66B in total assets and $1.13B in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 109 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 150 loans in HMDA and SBA files, through September 30, 2026: 15 HMDA multifamily 2025, 18 HMDA multifamily 2024, 115 HMDA 1-4 unit investor 2025, 2 SBA 504 first liens in 36 months. [How each file was tied to Members 1st Credit Union]
- Phone and website. Phone 717-697-1161, from the NCUA record. Website members1st.org, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 6694
- RSSD
- 934785
- LEI
- 549300SWKVL60SKWK981
- The Lender Report ID
- lr_000235
- Main office county
- Cumberland
- Members
- 639,050
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $8.7B in total assets as of June 30, 2026 (NCUA 5300).
- Held $1.1B of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $450.8M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 20.7% from a year earlier (NCUA 5300).
- Held $392.8M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $122.1M of construction and land loans as of June 30, 2026, up 48.8% from a year earlier (NCUA 5300).
- Originated 15 multifamily loans totaling $18.9M in 2025 (HMDA).
7 more sentences
- Originated 18 multifamily loans totaling $7.4M in 2024 (HMDA).
- Originated 115 1-4 unit investor or business-purpose loans totaling $21.7M in 2025 (HMDA).
- Provided the first lien on 2 SBA 504 projects with $2.4M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 109 real-estate-secured commercial loans totaling $104.8M in the first half of 2026 (NCUA 5300).
- Bought $17M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $118M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 61 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Members 1st Credit Union, https://lender.report/lender/members-1st-credit-union-pa/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at Members 1st Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem