State credit union · Lombard, Illinois · NCUA charter #68727
Credit Union 1
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $2.34B
- Total assets
- 150,837
- Members
- 10.9%
- Net-worth ratio
Credit Union 1 scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.34B; members 150,837; net-worth ratio 10.88%; health rank #1,479 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,479 of 4,374 health · 2025Q4Credit Union 1 · health 88/100 · $2.34B · 2025Q4
- ROA 88/100
- ASSETS 10.9%
- MEM 1.29%
- RANK 0.18%
- PHOTO $2.34B
- BOOK 150,837
- CHARTER #1,479/4,374
- NCUSIF Lge Community
- CAMELS 68727
Call Report peers
Credit Union 1 in the assets neighbourhood
Credit Union 1's $2.34B assets sit next to Lge Community ($2.33B) 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.
Credit Union 1 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
88 Top 35% higher than 65% 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
Credit Union 1 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68727, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Credit Union 1 vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 86.36% here, 83.90% peer average (+2.46 pp).
- Delinquency Rate trails the peer set - 1.29% here, 0.87% peer average (+0.41 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Credit Union 1 sits in Illinois
- Health composite ranks #56 of 192 among scored Illinois credit unions.
- Illinois assets place: #6 of 192.
- Illinois membership ordinal: #5 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.
Credit Union 1 Call Report trajectory
Credit Union 1: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +13.0% from $2.34B (2025Q4) to $2.64B (2026Q1).
- Net-worth ratio shifted +0.23 pp (10.65% → 10.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.9 pts
- Return on Assets 10.1 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Credit Union 1 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.88% | -0.30 pp |
| Delinquency Rate | 1.29% | +0.41 pp |
| Return on Assets | 0.18% | -0.33 pp |
| Member Growth | 23.97% | - |
| Loan-to-Share Ratio | 86.36% | +2.46 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.64B | - |
| 2025Q4 | $2.34B | 150,837 |
| 2024Q4 | $1.87B | 121,674 |
| 2023Q4 | $1.70B | 125,000 |
Credit Union Details
- Charter Number
- 68727
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Lombard
- Data Quarter
- 2025Q4
Branch Locations (44)
Credit Union 1 operates 44 offices across 39 cities, spanning 9 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Credit Union 1 (Main Office) | Lombard, IL |
| Big Lake | Big Lake, MN |
| Bradenton | Bradenton, FL |
| Brookfield | Brookfield, WI |
| Burnham | Burnham, IL |
| Carrollton | Carrollton, GA |
| Lincoln Park | CHICAGO, IL |
| UIC EAST HALSTED | Chicago, IL |
| UIC WEST POLK | Chicago, IL |
| East Side Branch | Chicago, IL |
| Archer Heights | Chicago, IL |
| Dearborn | Chicago, IL |
| Decatur office | Decatur, GA |
| DeKalb | DeKalb, IL |
| Cartersville | Euharlee, GA |
| Evergreen Park | Evergreen Park, IL |
| Foley | Foley, MN |
| Fraser | Fraser, MI |
| 2651 Paseo Verde Parkway | Henderson, NV |
| Hines | Hines, IL |
| Hobart | Hobart, IN |
| Homewood | Homewood, IL |
| Matteson | Matteson, IL |
| Loyola | Maywood, IL |
| Minot | Minot, ND |
| Mishawaka | Mishawaka, IN |
| Niles | Niles, MI |
| Northlake Branch | Northlake, IL |
| Oak Lawn | Oak Lawn, IL |
| Plano | Plano, IL |
| Credit Union 1 | Rantoul, IL |
| Rome | Rome, GA |
| St. Cloud | Saint Cloud, MN |
| Sartell | Sartell, MN |
| Sauk Center | Sauk Centre, MN |
| Sauk Rapids | Sauk Rapids, MN |
| South Bend | SOUTH BEND, IN |
| Bendix | South Bend, IN |
| Ireland | South Bend, IN |
| Springfield | SPRINGFIELD, IL |
| Summeville | Summerville, GA |
| Sycamore | Sycamore, IL |
| VERNON HILLS | Vernon Hills, IL |
| Waite Park | Waite Park, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Cross-state Call Report peers for Credit Union 1
Credit Union 1's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.34B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Credit Union 1 ranks #1,479 of 4,374 nationally on financial health and #56 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I. H. Mississippi Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I. H. Mississippi Valley
- 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 Credit Union 1 financially healthy?
Credit Union 1 has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,479 of 4,374; by total assets it ranks #222 of 4,374 nationally (same basis as /rankings/largest); and #6 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.88% and delinquency rate of 1.29%.
How does Credit Union 1 compare to other credit unions?
Credit Union 1 scores 88/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Credit Union 1?
Membership eligibility for Credit Union 1 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union 1 directly for current membership requirements and application steps.
Is my money safe at Credit Union 1?
Federal credit unions like Credit Union 1 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. Credit Union 1's net worth ratio of 10.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union 1 offer compared to banks?
Credit unions like Credit Union 1 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 Credit Union 1 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.