What is the underlying DB you are reporting against (Oracle, MS-SQL, Sybase, etc...)?
How many members are you reporting against? It sounds like you have 2 sub-reports for each line of Member detail - so that would run pretty slow if you have a lot of members.
One possible solution - you could create a Stored Procedure on the database to tie the Member, Dependent, and payment info together - and develop your report against the Stored Procedure and avaoid having these sub-reports.