State credit union · Bellwood, Illinois · NCUA charter #60852
Central Credit Union of Illinois
Health score 85/100, grade A (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 scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $122.5M; members 10,587; net-worth ratio 14.02%; health rank #1,935 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,935 of 4,374 health · 2025Q4Central Credit Union · health 85/100 · $122.5M · 2025Q4
- HEALTH 85/100
- NW 14.0%
- DELQ 1.12%
- ROA 3.06%
- ASSETS $122.5M
- MEM 10,587
- RANK #1,935/4,374
- PHOTO Tarrant County's Credit Union
- BOOK 60852
Call Report peers
Central Credit Union of Illinois in the assets neighbourhood
Central Credit Union of Illinois's $122.5M assets sit next to Tarrant County's Credit Union ($122.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Central Credit Union of Illinois 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
85 Top 46% higher than 54% 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
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 vs $100M–$500M peers
- Return on Assets leads the peer set - 3.06% here, 0.62% peer average (+2.44 pp).
- Largest lag: Loan-to-Share Ratio at 68.06% vs peer 72.20% (-4.14 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Central Credit Union of Illinois sits in Illinois
- In Illinois, health place is #86 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #47 of 192.
- Membership ranks #46 of 192 among Illinois CUs with a reported count (10,587 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.
Quarter path for Central Credit Union of Illinois
Central Credit Union of Illinois: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $122.5M (2025Q4) to $123.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (13.98% → 14.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.1 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Central Credit Union of Illinois
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.02% | +1.91 pp |
| Delinquency Rate | 1.12% | +0.22 pp |
| Return on Assets | 3.06% | +2.44 pp |
| Member Growth | -1.53% | - |
| Loan-to-Share Ratio | 68.06% | -4.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Central Credit Union filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $123.4M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Central Credit Union of Illinois runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Bellwood (Main Office) | Bellwood, IL |
| Orland Park | Orland Park, 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.
- ILLINOIS STATE POLICESpringfield, IL · $100M–$500M84Health
- ILLINOIS EDUCATORSSpringfield, IL · $100M–$500M92Health
- LANDMARKDanville, IL · $100M–$500M79Health
- COMMONWEALTHBourbonnais, IL · $100M–$500M92Health
- A.A.E.C.Arlington Heigh, IL · $100M–$500M94Health
Compare Central Credit Union of Illinois vs ILLINOIS STATE POLICE
Central Credit Union of Illinois nationwide neighbourhoods
Cross-state asset and health neighbours for Central Credit Union of Illinois - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($122.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Central Credit Union of Illinois ranks #1,935 of 4,374 nationally on financial health and #86 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Illinois State Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Illinois State Police
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,935 of 4,374; by total assets it ranks #1,658 of 4,374 nationally (same basis as /rankings/largest); and #47 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.02% 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 14.02% 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.
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.