State credit union · Bellwood, Illinois · NCUA charter #60852
Central Credit Union of Illinois
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $122.5M
- Total assets
- 10,587
- Members
- 14.0%
- Net-worth ratio
Central Credit Union of Illinois - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60852, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Central Credit Union of Illinois - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)76
- Earnings (ROA)100
- Member growth42
- Liquidity (loan-to-share)97
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.98% | 30% |
| Delinquency Rate | 1.12% | 25% |
| Return on Assets | 3.06% | 15% |
| Member Growth | -1.53% | 15% |
| Loan-to-Share Ratio | 68.06% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $122.5M | 10,587 |
| 2024Q4 | $121.5M | 10,752 |
| 2023Q4 | $116.9M | 11,008 |
Credit Union Details
- Charter Number
- 60852
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Bellwood
- Data Quarter
- 2025Q4
What This Data Says About Central Credit Union of Illinois
The five-factor composite scores Central Credit Union of Illinois at 85/100 (Excellent), reflecting a net worth ratio of 13.98% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Bellwood, Illinois, reports 10,587 members, $122.5M in total assets, and $70.5M in outstanding loans as of Q4 2025 under charter #60852 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 1.12% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 68.06% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 3.06% on net income of $3.7M 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 -1.53%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
- ILLINOIS STATE POLICESpringfield, IL · $100M–$500M81Health
- ILLINOIS EDUCATORSSpringfield, IL · $100M–$500M90Health
- LANDMARKDanville, IL · $100M–$500M78Health
- COMMONWEALTHBourbonnais, IL · $100M–$500M92Health
- A.A.E.C.Arlington Heigh, IL · $100M–$500M94Health
Compare Central Credit Union of Illinois vs ILLINOIS STATE POLICE
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 Central Credit Union of Illinois financially healthy?
Central Credit Union of Illinois has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.98% and delinquency rate of 1.12%.
How does Central Credit Union of Illinois compare to other credit unions?
PlainCU's health composite puts Central Credit Union of Illinois at 85/100, compared to a peer group average for $100M–$500M 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 Central Credit Union of Illinois?
Membership eligibility for Central Credit Union of Illinois depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Central Credit Union of Illinois directly for current membership requirements and application steps.
Is my money safe at Central Credit Union of Illinois?
Federal credit unions like Central Credit Union of Illinois 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. Central Credit Union of Illinois's net worth ratio of 13.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Credit Union of Illinois offer compared to banks?
Credit unions like Central Credit Union of Illinois 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 Central Credit Union of Illinois 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.