State credit union · champaign, Illinois · NCUA charter #65186
Central Illinois
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $24.9M
- Total assets
- 3,527
- Members
- 12.0%
- Net-worth ratio
Central Illinois scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.9M; members 3,527; net-worth ratio 12.04%; health rank #3,406 of 4,374; healthier than 21st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,406 of 4,374 health · 2025Q4Central Illinois · health 73/100 · $24.9M · 2025Q4
Call Report peers
Central Illinois in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Central Illinois vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Central Illinois sits in 70-74 with 317 others.
73 21st percentile higher than 21% 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 Illinois vs $10M–$50M peers
- Largest favorable gap: Return on Assets at 1.41% vs peer 0.70% (+0.70 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.63 pp (56.17% vs 59.80%).
Where Central Illinois sits in Illinois
- Illinois health ordinal: #150 of 192.
- Assets rank #94 of 192 inside Illinois ($24.9M reported).
- Membership ranks #80 of 192 among Illinois CUs with a reported count (3,527 members).
- One place up in Illinois, Bloomington Postal Employees (#149) ties at 73/100; one place down, Acme Continental (#151) scores 72/100, 1 point lower.
Central Illinois Call Report trajectory
Central Illinois: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $24.9M (2025Q4) to $25.7M (2026Q1).
- Net-worth ratio shifted -1.21 pp (13.25% → 12.04%).
12.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Central Illinois gives up 27 points in total. Delinquency Rate costs the most, 13.1 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.9 pts
- Return on Assets 15.0 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 11.7 pts
Central Illinois vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.04% | -2.82 pp |
| Delinquency Rate | 2.09% | +0.95 pp |
| Return on Assets | 1.41% | +0.70 pp |
| Member Growth | -2.54% | - |
| Loan-to-Share Ratio | 56.17% | -3.63 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.7M | - |
| 2025Q4 | $24.9M | 3,527 |
| 2024Q4 | $27.3M | 3,619 |
| 2023Q4 | $25.3M | 3,393 |
Credit Union Details
- Charter Number
- 65186
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- champaign
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Central Illinois, spread across 2 cities.
| Office | City |
|---|---|
| Central Illinois Credit Union (Main Office) | champaign, IL |
| Community Plus | Rantoul, 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.
Other-state peers near Central Illinois
Similar total assets
Using this data
- Central Illinois ranks #3,406 of 4,374 nationally on financial health and #150 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Advantage One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Advantage One
Frequently Asked Questions
Is Central Illinois financially healthy?
Central Illinois has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,406 of 4,374 nationally on health and #150 of 192 in Illinois. Its net worth ratio is 12.04% and its delinquency rate 2.09%.
How does Central Illinois compare to other credit unions?
Central Illinois scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.41% vs 0.70%). Its widest shortfall is loan-to-share ratio (56.17% vs 59.80%).
How can I join Central Illinois?
Membership eligibility for Central 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 Illinois directly for current membership requirements and application steps.
Is my money safe at Central Illinois?
Central Illinois 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. Central Illinois's net worth ratio of 12.04% 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.