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
- MEM 87/100
- RANK 18.6%
- PHOTO 0.00%
- BOOK 3.31%
- CHARTER $191K
- NCUSIF 263
- CAMELS #1,572/4,374
- HEALTH n/a
- NW 66089
Call Report peers
BEREAN carries $191K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BEREAN 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
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66089. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for BEREAN
BEREAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $191K (2025Q4) to $189K (2026Q1).
- Net-worth ratio shifted -0.68 pp (19.24% → 18.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Two NCUA Call Report peer sets for BEREAN, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 BEREAN financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, BEREAN carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,572 of 4,374; by total assets it ranks #4,349 of 4,374 nationally (same basis as /rankings/largest); and #189 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.56% net worth ratio and a 0.00% delinquency rate.
How does BEREAN compare to other credit unions?
On PlainCU's health composite, BEREAN lands at 87/100, compared to a peer group average for Under $2M 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 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?
Federal credit unions like BEREAN 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. BEREAN's net worth ratio of 18.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BEREAN offer compared to banks?
Credit unions like BEREAN 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 BEREAN 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.