Federal credit union · Romeoville, Illinois · NCUA charter #97086
ABRI
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $375.7M
- Total assets
- 27,630
- Members
- 11.5%
- Net-worth ratio
ABRI scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $375.7M; members 27,630; net-worth ratio 11.46%; health rank #1,667 of 4,374; healthier than 60th of scored peers.
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ABRI vs every NCUA-scored credit union
ABRI sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where ABRI diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +0.65 pp (72.85% vs 72.20%).
- Net Worth Ratio trails the peer set - 11.46% here, 12.11% peer average (-0.65 pp).
ABRI in Illinois
- Health composite ranks #66 of 192 among scored Illinois credit unions.
- Assets rank #31 of 192 inside Illinois ($375.7M reported).
- Member book place in Illinois: #29 of 192.
- One place up in Illinois, STALEY (#65) ties at 87/100; one place down, Gas and Electric (#67) ties at 87/100.
ABRI Call Report trajectory
ABRI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $375.7M (2025Q4) to $387.1M (2026Q1).
- Net-worth ratio shifted -0.32 pp (11.78% → 11.46%).
11.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
ABRI gives up 13 points in total. Member Growth costs the most, 6.8 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 12.6 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.46% | -0.65 pp |
| Delinquency Rate | 0.87% | -0.02 pp |
| Return on Assets | 0.34% | -0.28 pp |
| Member Growth | -0.43% | - |
| Loan-to-Share Ratio | 72.85% | +0.65 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $387.1M | - |
| 2025Q4 | $375.7M | 27,630 |
| 2024Q4 | $372.3M | 27,750 |
| 2023Q4 | $378.9M | 27,853 |
Credit Union Details
- Charter Number
- 97086
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Romeoville
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, ABRI runs 9 offices in 7 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Romeoville, IL |
| Fermi | Batavia, IL |
| Frankfort | Frankfort, IL |
| Joliet | Joliet, IL |
| ANL Branch | Lemont, IL |
| ANL Branch | Lemont, IL |
| Plainfield | Plainfield, IL |
| Romeoville Branch | Romeoville, IL |
| Woodridge Branch | Woodridge, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Cross-state Call Report peers for ABRI
Similar total assets
Similar health score
Using this data
- ABRI ranks #1,667 of 4,374 nationally on financial health and #66 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Partnership Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Partnership Financial
Frequently Asked Questions
Is ABRI financially healthy?
On its 2025Q4 NCUA 5300 filing, ABRI scores 87/100 (Excellent), with a 11.46% net worth ratio and 0.87% of loans delinquent. It ranks #1,667 of 4,374 nationally on health and #66 of 192 in Illinois.
How does ABRI compare to other credit unions?
ABRI scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (72.85% vs 72.20%). Its widest shortfall is net worth ratio (11.46% vs 12.11%).
How can I join ABRI?
Membership eligibility for ABRI depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ABRI directly for current membership requirements and application steps.
Is my money safe at ABRI?
ABRI is a federal credit union; its shares are federally 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. ABRI's net worth ratio of 11.46% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.