State credit union · KANKAKEE, Illinois · NCUA charter #62827
2 Rivers Area
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $23.6M
- Total assets
- 3,940
- Members
- 12.3%
- Net-worth ratio
2 Rivers Area - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62827, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
2 Rivers Area - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)48
- Earnings (ROA)97
- Member growth29
- Liquidity (loan-to-share)90
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.34% | 30% |
| Delinquency Rate | 2.06% | 25% |
| Return on Assets | 0.47% | 15% |
| Member Growth | -2.55% | 15% |
| Loan-to-Share Ratio | 63.19% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $23.6M | 3,940 |
| 2024Q4 | $23.4M | 4,043 |
| 2023Q4 | $24.3M | 4,077 |
Credit Union Details
- Charter Number
- 62827
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- KANKAKEE
- Data Quarter
- 2025Q4
What This Data Says About 2 Rivers Area
Headquartered in KANKAKEE, Illinois, 2 Rivers Area is a state credit union with 3,940 members, $23.6M in total assets, and $13.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 75/100 (Very Good), driven in part by a net worth ratio of 12.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #62827 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 2.06% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 63.19% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.47% on net income of $112K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.55%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is 2 Rivers Area financially healthy?
2 Rivers Area scores 75/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.34% net worth ratio and a 2.06% delinquency rate.
How does 2 Rivers Area compare to other credit unions?
2 Rivers Area scores 75/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 2 Rivers Area?
Membership eligibility for 2 Rivers Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 2 Rivers Area directly for current membership requirements and application steps.
Is my money safe at 2 Rivers Area?
Federal credit unions like 2 Rivers Area are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 2 Rivers Area's net worth ratio of 12.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 2 Rivers Area offer compared to banks?
Credit unions like 2 Rivers Area are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 2 Rivers Area directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.