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
- CAMELS 84/100
- HEALTH 12.6%
- NW 0.40%
- DELQ 0.09%
- ROA $201.7M
- ASSETS 12,358
- MEM #2,105/4,374
- RANK Tri County Area
- PHOTO 63783
Call Report peers
Cooperative Choice Network in the assets neighbourhood
Cooperative Choice Network's $201.7M assets sit next to Tri County Area ($201.6M) 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.
Cooperative Choice Network 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
84 Top 50% higher than 50% 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
Cooperative Choice Network - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63783: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cooperative Choice Network Call Report trajectory
Cooperative Choice Network: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $201.7M (2025Q4) to $207.2M (2026Q1).
- Net-worth ratio shifted -0.26 pp (12.81% → 12.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Cooperative Choice Network, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($201.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- 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 Cooperative Choice Network financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Cooperative Choice Network carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,105 of 4,374; by total assets it ranks #1,271 of 4,374 nationally (same basis as /rankings/largest); and #41 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.55% net worth ratio and a 0.40% delinquency rate.
How does Cooperative Choice Network compare to other credit unions?
On PlainCU's health composite, Cooperative Choice Network lands at 84/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like Cooperative Choice Network 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. Cooperative Choice Network's net worth ratio of 12.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cooperative Choice Network offer compared to banks?
Credit unions like Cooperative Choice Network 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 Cooperative Choice Network 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.