State credit union · Chicago, Illinois · NCUA charter #65680
Bethel A.m.e. Church
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $53K
- Total assets
- 92
- Members
- 13.2%
- Net-worth ratio
Bethel A.m.e. Church - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65680: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Bethel A.m.e. Church - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)-
- Earnings (ROA)0
- Member growth69
- Liquidity (loan-to-share)40
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.16% | 30% |
| Delinquency Rate | - | 25% |
| Return on Assets | -6.21% | 15% |
| Member Growth | 1.10% | 15% |
| Loan-to-Share Ratio | 0.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $53K | 92 |
| 2024Q4 | $56K | 91 |
| 2023Q4 | $56K | 92 |
Credit Union Details
- Charter Number
- 65680
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
What This Data Says About Bethel A.m.e. Church
Bethel A.m.e. Church is a state credit union headquartered in Chicago, Illinois, serving 92 members with $53K in total assets and $0 in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 62/100 (Good), anchored by a net worth ratio of 13.16% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #65680 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 0.00% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows - of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets stands at -6.21% on net income of $-3285 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.10%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Bethel A.m.e. Church financially healthy?
Bethel A.m.e. Church has a financial health score of 62/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.16% and delinquency rate of -.
How does Bethel A.m.e. Church compare to other credit unions?
62/100 is Bethel A.m.e. Church's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Bethel A.m.e. Church?
Membership eligibility for Bethel A.m.e. Church depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Bethel A.m.e. Church directly for current membership requirements and application steps.
Is my money safe at Bethel A.m.e. Church?
Federal credit unions like Bethel A.m.e. Church 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. Bethel A.m.e. Church's net worth ratio of 13.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bethel A.m.e. Church offer compared to banks?
Credit unions like Bethel A.m.e. Church 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 Bethel A.m.e. Church directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.