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
Call Report peers
AMBRAW in the assets neighbourhood
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AMBRAW vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AMBRAW sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Illinois, PLANITES (#123) ties at 80/100; one place down, Quincy Postal Employees (#125) scores 79/100, 1 point lower.
AMBRAW: 2025Q4 → 2026Q1
AMBRAW: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $17.0M (2025Q4) to $16.8M (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.40% → 9.60%).
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
AMBRAW gives up 20 points in total. Member Growth costs the most, 12 of its 15; Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is AMBRAW financially healthy?
On its 2025Q4 NCUA 5300 filing, AMBRAW scores 80/100 (Excellent), with a 9.60% net worth ratio and 0.47% of loans delinquent. It ranks #2,773 of 4,374 nationally on health and #124 of 192 in Illinois.
How does AMBRAW compare to other credit unions?
AMBRAW scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.47% vs 1.15%). Its widest shortfall is loan-to-share ratio (18.52% vs 59.80%).
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?
AMBRAW 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. AMBRAW's net worth ratio of 9.60% 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.