Federal credit union · BROADVIEW, Illinois · NCUA charter #97097
ACCESS
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $58.6M
- Total assets
- 4,853
- Members
- 13.7%
- Net-worth ratio
ACCESS scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $58.6M; members 4,853; net-worth ratio 13.67%; health rank #2,719 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,719 of 4,374 health · 2025Q4ACCESS · health 80/100 · $58.6M · 2025Q4
- CHARTER 80/100
- NCUSIF 13.7%
- CAMELS 0.94%
- HEALTH 0.32%
- NW $58.6M
- DELQ 4,853
- ROA #2,719/4,374
- ASSETS BREWERY
- MEM 97097
Call Report peers
ACCESS in the assets neighbourhood
ACCESS's $58.6M assets sit next to BREWERY ($58.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ACCESS vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% 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
ACCESS - Share Insurance Coverage
Charter #97097's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where ACCESS diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 13.67% vs peer 13.62% (+0.05 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -0.97 pp (61.63% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for ACCESS
- Health composite ranks #122 of 192 among scored Illinois credit unions.
- Assets rank #67 of 192 inside Illinois ($58.6M reported).
- Illinois membership ordinal: #66 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ACCESS: 2025Q4 → 2026Q1
ACCESS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $58.6M (2025Q4) to $58.6M (2026Q1).
- Net-worth ratio shifted +0.03 pp (13.64% → 13.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 12.3 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 12.9 pts
ACCESS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.67% | +0.05 pp |
| Delinquency Rate | 0.94% | -0.02 pp |
| Return on Assets | 0.32% | -0.34 pp |
| Member Growth | -2.67% | - |
| Loan-to-Share Ratio | 61.63% | -0.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - ACCESS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $58.6M | - |
| 2025Q4 | $58.6M | 4,853 |
| 2024Q4 | $57.4M | 4,986 |
| 2023Q4 | $59.0M | 5,090 |
Credit Union Details
- Charter Number
- 97097
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- BROADVIEW
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for ACCESS.
| Office | City |
|---|---|
| Broadview Main Office / Branch (Main Office) | Broadview, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
ACCESS nationwide neighbourhoods
Two NCUA Call Report peer sets for ACCESS, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($58.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- ACCESS ranks #2,719 of 4,374 nationally on financial health and #122 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Century is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Century
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ACCESS financially healthy?
A 13.67% net worth ratio and a 0.94% delinquency rate feed into ACCESS's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,719 of 4,374; by total assets it ranks #2,278 of 4,374 nationally (same basis as /rankings/largest); and #67 of 192 within Illinois. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ACCESS compare to other credit unions?
On PlainCU's health composite, ACCESS lands at 80/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 ACCESS?
Membership eligibility for ACCESS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ACCESS directly for current membership requirements and application steps.
Is my money safe at ACCESS?
Federal credit unions like ACCESS 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. ACCESS's net worth ratio of 13.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ACCESS offer compared to banks?
Credit unions like ACCESS 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 ACCESS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.