State credit union · Bloomington, Illinois · NCUA charter #63103
Bloomington Municipal
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $44.1M
- Total assets
- 2,247
- Members
- 13.5%
- Net-worth ratio
Bloomington Municipal scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.1M; members 2,247; net-worth ratio 13.52%; health rank #1,943 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,943 of 4,374 health · 2025Q4Bloomington Municipal · health 85/100 · $44.1M · 2025Q4
- RANK 85/100
- PHOTO 13.5%
- BOOK 0.15%
- CHARTER 1.34%
- NCUSIF $44.1M
- CAMELS 2,247
- HEALTH #1,943/4,374
- NW Glass Cap
- DELQ 63103
Call Report peers
Bloomington Municipal in the assets neighbourhood
Bloomington Municipal's $44.1M assets sit next to Glass Cap ($44.1M) 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.
Bloomington Municipal 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
85 Top 46% higher than 54% 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
Bloomington Municipal - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63103: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Bloomington Municipal vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.99 pp (0.15% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 34.21% vs peer 59.80% (-25.59 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for Bloomington Municipal
- Illinois health ordinal: #87 of 192.
- By total assets, Bloomington Municipal is #76 of 192 in Illinois.
- Membership ranks #100 of 192 among Illinois CUs with a reported count (2,247 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.
Bloomington Municipal: 2025Q4 → 2026Q1
Bloomington Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $44.1M (2025Q4) to $44.9M (2026Q1).
- Net-worth ratio shifted +0.04 pp (13.48% → 13.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 8.7 pts
Bloomington Municipal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.52% | -1.34 pp |
| Delinquency Rate | 0.15% | -0.99 pp |
| Return on Assets | 1.34% | +0.63 pp |
| Member Growth | -1.49% | - |
| Loan-to-Share Ratio | 34.21% | -25.59 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).
Call Report history - Bloomington Municipal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.9M | - |
| 2025Q4 | $44.1M | 2,247 |
| 2024Q4 | $39.1M | 2,281 |
| 2023Q4 | $37.6M | 2,227 |
Credit Union Details
- Charter Number
- 63103
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Bloomington
- Data Quarter
- 2025Q4
Branch Locations (2)
Bloomington Municipal operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Bloomington Municipal Credit Union (Main Office) | Bloomington, IL |
| BradfordScott Data Corp | Fort Wayne, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Cross-state Call Report peers for Bloomington Municipal
Cross-state asset and health neighbours for Bloomington Municipal - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Bloomington Municipal ranks #1,943 of 4,374 nationally on financial health and #87 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Riverside Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Riverside Community
- 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 Bloomington Municipal financially healthy?
Bloomington Municipal scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,943 of 4,374; by total assets it ranks #2,515 of 4,374 nationally (same basis as /rankings/largest); and #76 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.52% net worth ratio and a 0.15% delinquency rate.
How does Bloomington Municipal compare to other credit unions?
Five weighted metrics from NCUA filings produce Bloomington Municipal's 85/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Bloomington Municipal?
Membership eligibility for Bloomington Municipal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Bloomington Municipal directly for current membership requirements and application steps.
Is my money safe at Bloomington Municipal?
Federal credit unions like Bloomington Municipal 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. Bloomington Municipal's net worth ratio of 13.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bloomington Municipal offer compared to banks?
Credit unions like Bloomington Municipal 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 Bloomington Municipal 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.