State credit union · PEORIA, Illinois · NCUA charter #63783
Cooperative Choice Network
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $201.7M
- Total assets
- 12,358
- Members
- 12.6%
- Net-worth ratio
Cooperative Choice Network scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $201.7M; members 12,358; net-worth ratio 12.55%; health rank #2,105 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,105 of 4,374 health · 2025Q4Cooperative Choice Network · health 84/100 · $201.7M · 2025Q4
Call Report peers
Cooperative Choice Network in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cooperative Choice Network vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cooperative Choice Network sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Cooperative Choice Network
- Delinquency Rate leads the peer set - 0.40% here, 0.89% peer average (-0.49 pp).
- Largest lag: Loan-to-Share Ratio at 63.57% vs peer 72.20% (-8.63 pp).
Illinois standing for Cooperative Choice Network
- In Illinois, health place is #95 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #41 of 192.
- Illinois membership ordinal: #43 of 192.
- One place up in Illinois, New Century (#94) ties at 84/100; one place down, Service Plus (#96) ties at 84/100.
Cooperative Choice Network Call Report trajectory
Cooperative Choice Network: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $201.7M (2025Q4) to $207.2M (2026Q1).
- Net-worth ratio shifted -0.26 pp (12.81% → 12.55%).
At 12.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Cooperative Choice Network gives up 16 points in total. Member Growth costs the most, 7.9 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 8.7 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 13.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.55% | +0.44 pp |
| Delinquency Rate | 0.40% | -0.49 pp |
| Return on Assets | 0.09% | -0.53 pp |
| Member Growth | -1.07% | - |
| Loan-to-Share Ratio | 63.57% | -8.63 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Cooperative Choice Network filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $207.2M | - |
| 2025Q4 | $201.7M | 12,358 |
| 2024Q4 | $195.3M | 12,492 |
| 2023Q4 | $172.6M | 11,562 |
Credit Union Details
- Charter Number
- 63783
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- PEORIA
- Data Quarter
- 2025Q4
Branch Locations (5)
Cooperative Choice Network operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| University 3927 (Main Office) | Peoria, IL |
| PMCU Division | Metamora, IL |
| TCSCU Division - Pekin | Pekin, IL |
| University | Peoria, IL |
| IECFCU & IRSECU Division | Springfield, 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.
Cooperative Choice Network nationwide neighbourhoods
Using this data
- Cooperative Choice Network ranks #2,105 of 4,374 nationally on financial health and #95 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VICINITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VICINITY
Frequently Asked Questions
Is Cooperative Choice Network financially healthy?
On its 2025Q4 NCUA 5300 filing, Cooperative Choice Network scores 84/100 (Excellent), with a 12.55% net worth ratio and 0.40% of loans delinquent. It ranks #2,105 of 4,374 nationally on health and #95 of 192 in Illinois.
How does Cooperative Choice Network compare to other credit unions?
Cooperative Choice Network scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.40% vs 0.89%). Its widest shortfall is loan-to-share ratio (63.57% vs 72.20%).
How can I join Cooperative Choice Network?
Membership eligibility for Cooperative Choice Network depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cooperative Choice Network directly for current membership requirements and application steps.
Is my money safe at Cooperative Choice Network?
Cooperative Choice Network 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. Cooperative Choice Network's net worth ratio of 12.55% 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.