Federal credit union · PLAINFIELD, Illinois · NCUA charter #15848
CBI
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $17.6M
- Total assets
- 1,154
- Members
- 10.4%
- Net-worth ratio
CBI scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.6M; members 1,154; net-worth ratio 10.37%; health rank #3,601 of 4,374; healthier than 17th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,601 of 4,374 health · 2025Q4CBI · health 70/100 · $17.6M · 2025Q4
Call Report peers
CBI in the assets neighbourhood
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CBI vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CBI sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where CBI diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.18 pp (0.97% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 48.67% vs peer 59.80% (-11.13 pp).
CBI: in-state Call Report ranks
- In Illinois, health place is #159 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #110 of 192 inside Illinois ($17.6M reported).
- Member book place in Illinois: #126 of 192.
- One place up in Illinois, Pilgrim Baptist (#158) ties at 70/100; one place down, Unified Homeowners of Illinois (#160) ties at 70/100.
CBI Call Report trajectory
CBI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $17.6M (2025Q4) to $17.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (10.50% → 10.37%).
This credit union's 10.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
CBI gives up 30 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 9.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.1 pts
CBI health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.37% | -4.49 pp |
| Delinquency Rate | 0.97% | -0.18 pp |
| Return on Assets | 0.14% | -0.56 pp |
| Member Growth | -7.68% | - |
| Loan-to-Share Ratio | 48.67% | -11.13 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - CBI
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.9M | - |
| 2025Q4 | $17.6M | 1,154 |
| 2024Q4 | $17.5M | 1,250 |
| 2023Q4 | $19.0M | 1,369 |
Credit Union Details
- Charter Number
- 15848
- Type
- Federal
- Field of Membership
- Manufacturing
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- PLAINFIELD
- Data Quarter
- 2025Q4
Branch Locations (2)
CBI operates 2 offices in Plainfield, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Plainfield, IL |
| Satellite Office at CB&I Inc. | Plainfield, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- CBI ranks #3,601 of 4,374 nationally on financial health and #159 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LINXUS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LINXUS
Frequently Asked Questions
Is CBI financially healthy?
CBI has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,601 of 4,374 nationally on health and #159 of 192 in Illinois. Its net worth ratio is 10.37% and its delinquency rate 0.97%.
How does CBI compare to other credit unions?
CBI scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.97% vs 1.15%). Its widest shortfall is loan-to-share ratio (48.67% vs 59.80%).
How can I join CBI?
CBI is chartered around a single common bond (Manufacturing), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact CBI directly to confirm eligibility.
Is my money safe at CBI?
CBI is a federal 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. CBI's net worth ratio of 10.37% 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.