State credit union · Lombard, Illinois · NCUA charter #68727
Credit Union 1
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $2.34B
- Total assets
- 150,837
- Members
- 5.1%
- Net-worth ratio
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 - 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)42
- Asset quality (delinquency)71
- Earnings (ROA)68
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 5.07%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.07% | 30% |
| Delinquency Rate | 1.29% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | 23.97% | 15% |
| Loan-to-Share Ratio | 86.36% | 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 | $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
What This Data Says About Credit Union 1
Credit Union 1 is a state credit union headquartered in Lombard, Illinois, serving 150,837 members with $2.34B in total assets and $1.73B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 71/100 (Very Good), anchored by a net worth ratio of 5.07% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68727 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 1.29% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 86.36% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.18% on net income of $4.1M 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 23.97%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match 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 Credit Union 1 financially healthy?
Credit Union 1 has a financial health score of 71/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 5.07% and delinquency rate of 1.29%.
How does Credit Union 1 compare to other credit unions?
Credit Union 1 scores 71/100 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 5.07% is relative to 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.
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.