State credit union · lake Forest, Illinois · NCUA charter #68588
CONSUMERS
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $4.50B
- Total assets
- 279,428
- Members
- 8.8%
- Net-worth ratio
CONSUMERS scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.50B; members 279,428; net-worth ratio 8.80%; health rank #1,347 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,347 of 4,374 health · 2025Q4CONSUMERS · health 89/100 · $4.50B · 2025Q4
- ROA 89/100
- ASSETS 8.8%
- MEM 0.93%
- RANK 0.25%
- PHOTO $4.50B
- BOOK 279,428
- CHARTER #1,347/4,374
- NCUSIF Credit Human
- CAMELS 68588
Call Report peers
CONSUMERS in the assets neighbourhood
CONSUMERS's $4.50B assets sit next to Credit Human ($4.52B) 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.
CONSUMERS 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
89 Top 31% higher than 69% 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
CONSUMERS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68588. See our deposit-insurance coverage note.
CONSUMERS vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +3.91 pp (87.81% vs 83.90%).
- Net Worth Ratio trails the peer set - 8.80% here, 11.18% peer average (-2.38 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for CONSUMERS
- In Illinois, health place is #46 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, CONSUMERS is #5 of 192 in Illinois.
- Illinois membership ordinal: #4 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.
CONSUMERS Call Report trajectory
CONSUMERS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $4.50B (2025Q4) to $4.57B (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.93% → 8.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 11.3 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.80% | -2.38 pp |
| Delinquency Rate | 0.93% | +0.05 pp |
| Return on Assets | 0.25% | -0.26 pp |
| Member Growth | 6.06% | - |
| Loan-to-Share Ratio | 87.81% | +3.91 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
CONSUMERS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.57B | - |
| 2025Q4 | $4.50B | 279,428 |
| 2024Q4 | $4.03B | 263,460 |
| 2023Q4 | $3.53B | 222,367 |
Credit Union Details
- Charter Number
- 68588
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- lake Forest
- Data Quarter
- 2025Q4
Branch Locations (25)
Per its most recent NCUA branch filing, CONSUMERS runs 25 offices in 21 different cities.
| Office | City |
|---|---|
| Lake Forest Admin Building (Main Office) | lake Forest, IL |
| Arlington Heights | Arlington Heights, IL |
| Aurora Branch | AURORA, IL |
| Carol Stream | Carol Stream, IL |
| Village Fresh Market-Carpentersville | CARPENTERSVILLE, IL |
| Deer Park | Deer Park, IL |
| Elgin Branch | ELGIN, IL |
| Elgin Community College | ELGIN, IL |
| Elgin Mental Health Center | ELGIN, IL |
| Gail Borden-Elgin Public Library | ELGIN, IL |
| Geneva Branch | GENEVA, IL |
| Gurnee | Gurnee, IL |
| Kildeer Service Center | Kildeer, IL |
| Lake in the Hills | Lake in the Hills, IL |
| Loves Park Branch | Loves Park, IL |
| Mt. Morris Branch | Mount Morris, IL |
| Mundelein | Mundelein, IL |
| Northbrook Branch | Northbrook, IL |
| Round Lake Beach | Round Lake Beach, IL |
| Meacham | Schaumburg, IL |
| Gail Borden - South Elgin-Aurora Public Library | SOUTH ELGIN, IL |
| Streamwood | Streamwood, IL |
| Volo | Volo, IL |
| Waukegan | Waukegan, IL |
| N. Waukegan | Waukegan, 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.
CONSUMERS nationwide neighbourhoods
Cross-state asset and health neighbours for CONSUMERS - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.50B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- CONSUMERS ranks #1,347 of 4,374 nationally on financial health and #46 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- State Farm is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with State Farm
- 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 CONSUMERS financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - CONSUMERS's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,347 of 4,374; by total assets it ranks #108 of 4,374 nationally (same basis as /rankings/largest); and #5 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.80% net worth ratio and 0.93% delinquency rate are the key drivers.
How does CONSUMERS compare to other credit unions?
PlainCU's health composite puts CONSUMERS at 89/100, compared to a peer group average for Over $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 CONSUMERS?
Membership eligibility for CONSUMERS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CONSUMERS directly for current membership requirements and application steps.
Is my money safe at CONSUMERS?
Federal credit unions like CONSUMERS 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. CONSUMERS's net worth ratio of 8.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CONSUMERS offer compared to banks?
Credit unions like CONSUMERS 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 CONSUMERS 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.