State credit union · Chicago, Illinois · NCUA charter #66089
BEREAN
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $191K
- Total assets
- 263
- Members
- 18.6%
- Net-worth ratio
BEREAN scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $191K; members 263; net-worth ratio 18.56%; health rank #1,572 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,572 of 4,374 health · 2025Q4BEREAN · health 87/100 · $191K · 2025Q4
Call Report peers
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BEREAN vs every NCUA-scored credit union
BEREAN 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
BEREAN: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.00% here, 4.48% peer average (-4.48 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -46.56 pp (6.14% vs 52.70%).
BEREAN: in-state Call Report ranks
- In Illinois, health place is #59 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, BEREAN is #189 of 192 in Illinois.
- Membership ranks #172 of 192 among Illinois CUs with a reported count (263 members).
- One place up in Illinois, Evergreen Park Schools (#58) ties at 87/100; one place down, Community Plus (#60) ties at 87/100.
Quarter path for BEREAN
BEREAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $191K (2025Q4) to $189K (2026Q1).
- Net-worth ratio shifted -0.68 pp (19.24% → 18.56%).
This credit union's 18.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
BEREAN gives up 13 points in total. Loan-to-Share Ratio costs the most, 8.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 6.1 pts
Call Report ratios for BEREAN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.56% | -4.37 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 3.31% | +3.09 pp |
| Member Growth | 1.54% | - |
| Loan-to-Share Ratio | 6.14% | -46.56 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
BEREAN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $189K | - |
| 2025Q4 | $191K | 263 |
| 2024Q4 | $194K | 259 |
| 2023Q4 | $214K | 255 |
Credit Union Details
- Charter Number
- 66089
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, BEREAN runs one office.
| Office | City |
|---|---|
| Berean Credit Union (Main Office) | Chicago, 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.
Other-state peers near BEREAN
Similar health score
Using this data
- BEREAN ranks #1,572 of 4,374 nationally on financial health and #59 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pilgrim Baptist is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pilgrim Baptist
Frequently Asked Questions
Is BEREAN financially healthy?
On its 2025Q4 NCUA 5300 filing, BEREAN scores 87/100 (Excellent), with a 18.56% net worth ratio and 0.00% of loans delinquent. It ranks #1,572 of 4,374 nationally on health and #59 of 192 in Illinois.
How does BEREAN compare to other credit unions?
BEREAN scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (6.14% vs 52.70%).
How can I join BEREAN?
Membership eligibility for BEREAN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact BEREAN directly for current membership requirements and application steps.
Is my money safe at BEREAN?
BEREAN is a state-chartered 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. BEREAN's net worth ratio of 18.56% 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.