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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Carbondale Highway sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Illinois, Ottawa Hiway (#92) ties at 84/100; one place down, New Century (#94) ties at 84/100.
Carbondale Highway Call Report trajectory
Carbondale Highway: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $5.6M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted -0.28 pp (15.27% → 14.99%).
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
Carbondale Highway gives up 16 points in total. Member Growth costs the most, 10.6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Carbondale Highway financially healthy?
On its 2025Q4 NCUA 5300 filing, Carbondale Highway scores 84/100 (Excellent), with a 14.99% net worth ratio and 0.04% of loans delinquent. It ranks #2,081 of 4,374 nationally on health and #93 of 192 in Illinois.
How does Carbondale Highway compare to other credit unions?
Carbondale Highway scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.04% vs 1.81%). Its widest shortfall is loan-to-share ratio (54.17% vs 63.60%).
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?
Carbondale Highway is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.