State credit union · Carbondale, Illinois · NCUA charter #65427
Carbondale Highway
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $5.6M
- Total assets
- 681
- Members
- 15.0%
- Net-worth ratio
Carbondale Highway scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 681; net-worth ratio 14.99%; health rank #2,081 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,081 of 4,374 health · 2025Q4Carbondale Highway · health 84/100 · $5.6M · 2025Q4
- RANK 84/100
- PHOTO 15.0%
- BOOK 0.04%
- CHARTER 0.37%
- NCUSIF $5.6M
- CAMELS 681
- HEALTH #2,081/4,374
- NW n/a
- DELQ 65427
Call Report peers
Carbondale Highway carries $5.6M 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.
Carbondale Highway 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
84 Top 50% higher than 50% 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
Carbondale Highway - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65427, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Carbondale Highway: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.04% here, 1.81% peer average (-1.77 pp).
- Largest lag: Loan-to-Share Ratio at 54.17% vs peer 63.60% (-9.43 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Carbondale Highway: in-state Call Report ranks
- Illinois health ordinal: #93 of 192.
- Illinois assets place: #140 of 192.
- Membership ranks #142 of 192 among Illinois CUs with a reported count (681 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.
Carbondale Highway Call Report trajectory
Carbondale Highway: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $5.6M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted -0.28 pp (15.27% → 14.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.1 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 11.5 pts
Carbondale Highway health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.99% | -4.07 pp |
| Delinquency Rate | 0.04% | -1.77 pp |
| Return on Assets | 0.37% | -0.08 pp |
| Member Growth | -2.58% | - |
| Loan-to-Share Ratio | 54.17% | -9.43 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).
Carbondale Highway quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.8M | - |
| 2025Q4 | $5.6M | 681 |
| 2024Q4 | $5.8M | 699 |
| 2023Q4 | $5.3M | 711 |
Credit Union Details
- Charter Number
- 65427
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Carbondale
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Carbondale Highway.
| Office | City |
|---|---|
| CHCU (Main Office) | Carbondale, 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.
Cross-state Call Report peers for Carbondale Highway
Carbondale Highway's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Carbondale Highway ranks #2,081 of 4,374 nationally on financial health and #93 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Effingham Highway is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Effingham Highway
- 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 Carbondale Highway financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Carbondale Highway carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,081 of 4,374; by total assets it ranks #3,827 of 4,374 nationally (same basis as /rankings/largest); and #140 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.99% net worth ratio and a 0.04% delinquency rate.
How does Carbondale Highway compare to other credit unions?
On PlainCU's health composite, Carbondale Highway lands at 84/100, compared to a peer group average for $2M–$10M 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 Carbondale Highway?
Membership eligibility for Carbondale Highway depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Carbondale Highway directly for current membership requirements and application steps.
Is my money safe at Carbondale Highway?
Federal credit unions like Carbondale Highway 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. Carbondale Highway's net worth ratio of 14.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Carbondale Highway offer compared to banks?
Credit unions like Carbondale Highway 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 Carbondale Highway 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.