State credit union · lake Forest, Illinois · NCUA charter #68588
Consumers
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $4.50B
- Total assets
- 279,428
- Members
- 4.5%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)37
- Asset quality (delinquency)83
- Earnings (ROA)75
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 4.48% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.48% | 30% |
| Delinquency Rate | 0.93% | 25% |
| Return on Assets | 0.25% | 15% |
| Member Growth | 6.06% | 15% |
| Loan-to-Share Ratio | 87.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Consumers
279,428 members and $4.50B in total assets sit behind Consumers, a state credit union in lake Forest, Illinois, which posts a health score of 73/100 (Very Good) on the five-factor composite, with $3.12B in outstanding loans as of Q4 2025 and a net worth ratio of 4.48% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68588 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.93% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 87.81% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.25% on net income of $11.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 6.06%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Consumers financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Consumers's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 4.48% 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 73/100, 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 4.48% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.