Federal credit union · Chicago, Illinois · NCUA charter #7256
COMMUNITY
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $119K
- Total assets
- 151
- Members
- 25.5%
- Net-worth ratio
COMMUNITY scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $119K; members 151; net-worth ratio 25.49%; health rank #3,687 of 4,374; healthier than 15th of scored peers.
NCUA 5300 Call Report masthead
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COMMUNITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COMMUNITY sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
COMMUNITY vs Under $2M peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -37.53 pp (15.17% vs 52.70%).
COMMUNITY in Illinois
- Illinois health ordinal: #163 of 192.
- Illinois assets place: #190 of 192.
- Illinois membership ordinal: #185 of 192.
- One place up in Illinois, VICINITY (#162) scores 69/100, 1 point higher; one place down, Aurora Postal Employees (#164) ties at 68/100.
COMMUNITY Call Report trajectory
COMMUNITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.1% from $119K (2025Q4) to $116K (2026Q1).
- Net-worth ratio shifted -0.28 pp (25.77% → 25.49%).
At 25.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
COMMUNITY gives up 32 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 7.5 pts
COMMUNITY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.49% | +2.56 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -1.82% | -2.04 pp |
| Member Growth | -1.95% | - |
| Loan-to-Share Ratio | 15.17% | -37.53 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - COMMUNITY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $116K | - |
| 2025Q4 | $119K | 151 |
| 2024Q4 | $128K | 154 |
| 2023Q4 | $133K | 189 |
Credit Union Details
- Charter Number
- 7256
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for COMMUNITY.
| 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.
Other-state peers near COMMUNITY
Similar health score
Using this data
- COMMUNITY ranks #3,687 of 4,374 nationally on financial health and #163 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- IMPERIAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with IMPERIAL
Frequently Asked Questions
Is COMMUNITY financially healthy?
On its 2025Q4 NCUA 5300 filing, COMMUNITY scores 68/100 (Good), with a 25.49% net worth ratio and 0.00% of loans delinquent. It ranks #3,687 of 4,374 nationally on health and #163 of 192 in Illinois.
How does COMMUNITY compare to other credit unions?
COMMUNITY scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (15.17% vs 52.70%).
How can I join COMMUNITY?
COMMUNITY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact COMMUNITY directly for the exact boundaries and application steps.
Is my money safe at COMMUNITY?
COMMUNITY 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. COMMUNITY's net worth ratio of 25.49% 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.