Federal credit union · Lawrenceville, Illinois · NCUA charter #567
AMBRAW
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $17.0M
- Total assets
- 1,997
- Members
- 9.6%
- Net-worth ratio
AMBRAW scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.0M; members 1,997; net-worth ratio 9.60%; health rank #2,773 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,773 of 4,374 health · 2025Q4AMBRAW · health 80/100 · $17.0M · 2025Q4
- HEALTH 80/100
- NW 9.6%
- DELQ 0.47%
- ROA 0.54%
- ASSETS $17.0M
- MEM 1,997
- RANK #2,773/4,374
- PHOTO Berkeley Community
- BOOK 567
Call Report peers
AMBRAW in the assets neighbourhood
AMBRAW's $17.0M assets sit next to Berkeley Community ($17.0M) 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.
AMBRAW 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
AMBRAW - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #567 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for AMBRAW
- Delinquency Rate leads the peer set - 0.47% here, 1.15% peer average (-0.68 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -41.28 pp (18.52% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
AMBRAW: in-state Call Report ranks
- Illinois health ordinal: #124 of 192.
- Illinois assets place: #111 of 192.
- Membership ranks #106 of 192 among Illinois CUs with a reported count (1,997 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
AMBRAW: 2025Q4 → 2026Q1
AMBRAW: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $17.0M (2025Q4) to $16.8M (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.40% → 9.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 29.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 8.0 pts
AMBRAW health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.60% | -5.26 pp |
| Delinquency Rate | 0.47% | -0.68 pp |
| Return on Assets | 0.54% | -0.17 pp |
| Member Growth | -3.34% | - |
| Loan-to-Share Ratio | 18.52% | -41.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
AMBRAW quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.8M | - |
| 2025Q4 | $17.0M | 1,997 |
| 2024Q4 | $16.3M | 2,066 |
| 2023Q4 | $15.7M | 2,143 |
Credit Union Details
- Charter Number
- 567
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Lawrenceville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for AMBRAW, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Ambraw Federal Credit Union (Main Office) | Lawrenceville, IL |
| CMC Flex | Sandy, UT |
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.
AMBRAW nationwide neighbourhoods
Two NCUA Call Report peer sets for AMBRAW, 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 ($17.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- AMBRAW ranks #2,773 of 4,374 nationally on financial health and #124 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CBI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CBI
- 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 AMBRAW financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - AMBRAW's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,773 of 4,374; by total assets it ranks #3,241 of 4,374 nationally (same basis as /rankings/largest); and #111 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.60% net worth ratio and 0.47% delinquency rate are the key drivers.
How does AMBRAW compare to other credit unions?
PlainCU's health composite puts AMBRAW at 80/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 AMBRAW?
AMBRAW operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact AMBRAW directly for the exact boundaries and application steps.
Is my money safe at AMBRAW?
Federal credit unions like AMBRAW 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. AMBRAW's net worth ratio of 9.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AMBRAW offer compared to banks?
Credit unions like AMBRAW 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 AMBRAW 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.