State credit union · Cicero, Illinois · NCUA charter #68180
Burlington Northern Santa Fe Railwy
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $7.9M
- Total assets
- 1,619
- Members
- 20.9%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth63
- Liquidity (loan-to-share)70
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 20.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.86% | 30% |
| Delinquency Rate | 6.25% | 25% |
| Return on Assets | 0.81% | 15% |
| Member Growth | 0.37% | 15% |
| Loan-to-Share Ratio | 49.76% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Burlington Northern Santa Fe Railwy
1,619 members and $7.9M in total assets sit behind Burlington Northern Santa Fe Railwy, a state credit union in Cicero, Illinois, which posts a health score of 65/100 (Good) on the five-factor composite, with $3.1M in outstanding loans as of Q4 2025 and a net worth ratio of 20.86% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68180 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 6.25% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 49.76% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.81% on net income of $64K 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 0.37%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.86% 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 20.86% 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.
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.