Federal credit union · Naperville, Illinois · NCUA charter #97084
DUPAGE
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $581.1M
- Total assets
- 47,662
- Members
- 9.6%
- Net-worth ratio
DUPAGE scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $581.1M; members 47,662; net-worth ratio 9.55%; health rank #2,168 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,168 of 4,374 health · 2025Q4DUPAGE · health 84/100 · $581.1M · 2025Q4
- PHOTO 84/100
- BOOK 9.6%
- CHARTER 0.65%
- NCUSIF 0.94%
- CAMELS $581.1M
- HEALTH 47,662
- NW #2,168/4,374
- DELQ Diversified Members
- ROA 97084
Call Report peers
DUPAGE in the assets neighbourhood
DUPAGE's $581.1M assets sit next to Diversified Members ($581.0M) 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.
DUPAGE 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
DUPAGE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #97084 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
DUPAGE vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 88.13% here, 83.90% peer average (+4.23 pp).
- Net Worth Ratio trails the peer set - 9.55% here, 11.18% peer average (-1.63 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
DUPAGE in Illinois
- Health composite ranks #98 of 192 among scored Illinois credit unions.
- Illinois assets place: #20 of 192.
- Member book place in Illinois: #17 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.
How DUPAGE's 5300 filing moved
DUPAGE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $581.1M (2025Q4) to $595.9M (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.73% → 9.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action 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 28.9 pts
- Delinquency Rate 23.5 pts
- Return on Assets 15.0 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 14.8 pts
DUPAGE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.55% | -1.63 pp |
| Delinquency Rate | 0.65% | -0.23 pp |
| Return on Assets | 0.94% | +0.44 pp |
| Member Growth | -4.00% | - |
| Loan-to-Share Ratio | 88.13% | +4.23 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).
DUPAGE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $595.9M | - |
| 2025Q4 | $581.1M | 47,662 |
| 2024Q4 | $565.3M | 49,646 |
| 2023Q4 | $578.3M | 49,324 |
Credit Union Details
- Charter Number
- 97084
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Naperville
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, DUPAGE runs 5 offices in 3 different cities.
| Office | City |
|---|---|
| Operations Center (Main Office) | Naperville, IL |
| Downers Grove Branch | Downers Grove, IL |
| Naperville Branch | Naperville, IL |
| Operations Center II Brookdale | Naperville, IL |
| Wheaton Branch | Wheaton, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for DUPAGE
DUPAGE's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($581.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- DUPAGE ranks #2,168 of 4,374 nationally on financial health and #98 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Plus
- 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 DUPAGE financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - DUPAGE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,168 of 4,374; by total assets it ranks #691 of 4,374 nationally (same basis as /rankings/largest); and #20 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.55% net worth ratio and 0.65% delinquency rate are the key drivers.
How does DUPAGE compare to other credit unions?
84/100 is DUPAGE's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 DUPAGE?
Membership eligibility for DUPAGE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact DUPAGE directly for current membership requirements and application steps.
Is my money safe at DUPAGE?
Federal credit unions like DUPAGE 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. DUPAGE's net worth ratio of 9.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DUPAGE offer compared to banks?
Credit unions like DUPAGE 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 DUPAGE 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.