State credit union · Chicago, Illinois · NCUA charter #60688
College and University
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $1.3M
- Total assets
- 325
- Members
- 11.5%
- Net-worth ratio
College and University scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.3M; members 325; net-worth ratio 11.46%; health rank #3,185 of 4,374; healthier than 26th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,185 of 4,374 health · 2025Q4College and University · health 76/100 · $1.3M · 2025Q4
- NCUSIF 76/100
- CAMELS 11.5%
- HEALTH 0.61%
- NW 0.86%
- DELQ $1.3M
- ROA 325
- ASSETS #3,185/4,374
- MEM n/a
- RANK 60688
Call Report peers
College and University carries $1.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
College and University 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
76 26th percentile higher than 26% 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
College and University - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60688 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for College and University
- Largest favorable gap: Delinquency Rate at 0.61% vs peer 4.48% (-3.86 pp).
- Loan-to-Share Ratio trails the peer set - 12.55% here, 52.70% peer average (-40.15 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
College and University in Illinois
- Illinois health ordinal: #142 of 192.
- Illinois assets place: #168 of 192.
- Illinois membership ordinal: #168 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
College and University Call Report trajectory
College and University: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $1.3M (2025Q4) to $1.4M (2026Q1).
- Net-worth ratio shifted -0.14 pp (11.60% → 11.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.1 pts
College and University health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.46% | -11.47 pp |
| Delinquency Rate | 0.61% | -3.86 pp |
| Return on Assets | 0.86% | +0.64 pp |
| Member Growth | -8.45% | - |
| Loan-to-Share Ratio | 12.55% | -40.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - College and University
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.4M | - |
| 2025Q4 | $1.3M | 325 |
| 2024Q4 | $1.2M | 355 |
| 2023Q4 | $1.3M | 340 |
Credit Union Details
- Charter Number
- 60688
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, College and University runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Chicago, 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
College and University's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- College and University ranks #3,185 of 4,374 nationally on financial health and #142 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ethicon Suture is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ethicon Suture
- 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 College and University financially healthy?
College and University scores 76/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,185 of 4,374; by total assets it ranks #4,194 of 4,374 nationally (same basis as /rankings/largest); and #168 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.46% net worth ratio and a 0.61% delinquency rate.
How does College and University compare to other credit unions?
Five weighted metrics from NCUA filings produce College and University's 76/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 College and University?
Membership eligibility for College and University depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact College and University directly for current membership requirements and application steps.
Is my money safe at College and University?
Federal credit unions like College and University 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. College and University's net worth ratio of 11.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does College and University offer compared to banks?
Credit unions like College and University 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 College and University 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.