State credit union · Cicero, Illinois · NCUA charter #68180
Burlington Northern Santa Fe Railwy
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $7.9M
- Total assets
- 1,619
- Members
- 17.5%
- Net-worth ratio
Burlington Northern Santa Fe Railwy scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.9M; members 1,619; net-worth ratio 17.55%; health rank #3,861 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,861 of 4,374 health · 2025Q4Burlington Northern Santa F… · health 65/100 · $7.9M · 2025Q4
- DELQ 65/100
- ROA 17.5%
- ASSETS 6.25%
- MEM 0.81%
- RANK $7.9M
- PHOTO 1,619
- BOOK #3,861/4,374
- CHARTER n/a
- NCUSIF 68180
Call Report peers
Burlington Northern Santa Fe Railwy carries $7.9M 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.
Burlington Northern Santa Fe Railwy 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
65 11th percentile higher than 11% 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
Burlington Northern Santa Fe Railwy - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68180: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Burlington Northern Santa Fe Railwy vs $2M–$10M peers
- Return on Assets leads the peer set - 0.81% here, 0.45% peer average (+0.36 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.84 pp (49.76% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Burlington Northern Santa Fe Railwy: in-state Call Report ranks
- Illinois health ordinal: #173 of 192.
- By total assets, Burlington Northern Santa Fe Railwy is #130 of 192 in Illinois.
- Member book place in Illinois: #113 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Burlington Northern Santa Fe Railwy's 5300 filing moved
Burlington Northern Santa Fe Railwy: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $7.9M (2025Q4) to $8.1M (2026Q1).
- Net-worth ratio shifted -3.31 pp (20.86% → 17.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.55% | -1.51 pp |
| Delinquency Rate | 6.25% | +4.44 pp |
| Return on Assets | 0.81% | +0.36 pp |
| Member Growth | 0.37% | - |
| Loan-to-Share Ratio | 49.76% | -13.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Burlington Northern Santa Fe Railwy
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.1M | - |
| 2025Q4 | $7.9M | 1,619 |
| 2024Q4 | $8.2M | 1,613 |
| 2023Q4 | $8.2M | 1,613 |
Credit Union Details
- Charter Number
- 68180
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Cicero
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Burlington Northern Santa Fe Railwy.
| Office | City |
|---|---|
| Main Office (Main Office) | Cicero, IL |
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.
- JOLIET FIREFIGHTERSJoliet, IL · $2M–$10M96Health
- PONTIAC DWIGHT PRISON EMPLOYSPONTIAC, IL · $2M–$10M81Health
- CTA-74TH STREET DEPOTChicago, IL · $2M–$10M55Health
- CHICAGO AREA OFFICEChicago, IL · $2M–$10M43Health
- PEORIA HIWAYPeoria, IL · $2M–$10M91Health
Compare Burlington Northern Santa Fe Railwy vs JOLIET FIREFIGHTERS
Cross-state Call Report peers for Burlington Northern Santa F…
Cross-state asset and health neighbours for Burlington Northern Santa Fe Railwy - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- Burlington Northern Santa Fe Railwy ranks #3,861 of 4,374 nationally on financial health and #173 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Joliet Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Joliet Firefighters
- 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 Burlington Northern Santa Fe Railwy financially healthy?
Yes/no aside, the number is 65/100 (Good) - Burlington Northern Santa Fe Railwy's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,861 of 4,374; by total assets it ranks #3,680 of 4,374 nationally (same basis as /rankings/largest); and #130 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.55% net worth ratio and 6.25% delinquency rate are the key drivers.
How does Burlington Northern Santa Fe Railwy compare to other credit unions?
PlainCU's health composite puts Burlington Northern Santa Fe Railwy at 65/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Burlington Northern Santa Fe Railwy?
Membership eligibility for Burlington Northern Santa Fe Railwy depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Burlington Northern Santa Fe Railwy directly for current membership requirements and application steps.
Is my money safe at Burlington Northern Santa Fe Railwy?
Federal credit unions like Burlington Northern Santa Fe Railwy 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. Burlington Northern Santa Fe Railwy's net worth ratio of 17.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Burlington Northern Santa Fe Railwy offer compared to banks?
Credit unions like Burlington Northern Santa Fe Railwy 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 Burlington Northern Santa Fe Railwy 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.