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
Call Report peers
CONSUMERS in the assets neighbourhood
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CONSUMERS vs every NCUA-scored credit union
CONSUMERS sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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).
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.
- One place up in Illinois, REVITY (#45) ties at 89/100; one place down, Area Educational (#47) scores 88/100, 1 point lower.
CONSUMERS Call Report trajectory
CONSUMERS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $4.50B (2025Q4) to $4.57B (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.93% → 8.80%).
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
CONSUMERS gives up 11 points in total. Delinquency Rate costs the most, 4.3 of its 25; Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is CONSUMERS financially healthy?
On its 2025Q4 NCUA 5300 filing, CONSUMERS scores 89/100 (Excellent), with a 8.80% net worth ratio and 0.93% of loans delinquent. It ranks #1,347 of 4,374 nationally on health and #46 of 192 in Illinois.
How does CONSUMERS compare to other credit unions?
CONSUMERS scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.81% vs 83.90%). Its widest shortfall is net worth ratio (8.80% vs 11.18%).
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?
CONSUMERS 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. CONSUMERS's net worth ratio of 8.80% 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.