State credit union · Bourbonnais, Illinois · NCUA charter #60304
Elite Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $22.7M
- Total assets
- 2,260
- Members
- 9.2%
- Net-worth ratio
Elite Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.7M; members 2,260; net-worth ratio 9.17%; health rank #1,717 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,717 of 4,374 health · 2025Q4Elite Community · health 87/100 · $22.7M · 2025Q4
Call Report peers
Elite Community in the assets neighbourhood
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Elite Community vs every NCUA-scored credit union
Elite Community sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Elite Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 77.71% here, 59.80% peer average (+17.91 pp).
- Largest lag: Net Worth Ratio at 9.17% vs peer 14.86% (-5.69 pp).
Elite Community: in-state Call Report ranks
- Health composite ranks #71 of 192 among scored Illinois credit unions.
- Assets rank #100 of 192 inside Illinois ($22.7M reported).
- Illinois membership ordinal: #99 of 192.
- One place up in Illinois, ALLIANT (#70) ties at 87/100; one place down, Peoria Bell (#72) scores 86/100, 1 point lower.
Elite Community: 2025Q4 → 2026Q1
Elite Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +10.4% from $22.7M (2025Q4) to $25.1M (2026Q1).
- Net-worth ratio shifted -0.76 pp (9.93% → 9.17%).
At 9.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Elite Community gives up 13 points in total. Member Growth costs the most, 5.3 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 23.0 pts
- Return on Assets 11.6 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 14.8 pts
Elite Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.17% | -5.69 pp |
| Delinquency Rate | 0.70% | -0.45 pp |
| Return on Assets | 0.27% | -0.43 pp |
| Member Growth | 0.58% | - |
| Loan-to-Share Ratio | 77.71% | +17.91 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Elite Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.1M | - |
| 2025Q4 | $22.7M | 2,260 |
| 2024Q4 | $24.7M | 2,247 |
| 2023Q4 | $23.0M | 2,138 |
Credit Union Details
- Charter Number
- 60304
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Bourbonnais
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Elite Community, spread across 2 cities.
| Office | City |
|---|---|
| Main - 515 S Main St (Main Office) | Bourbonnais, IL |
| Branch - 2525 South Kensington Ave | Kankakee, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Elite Community ranks #1,717 of 4,374 nationally on financial health and #71 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GENERATIONS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GENERATIONS
Frequently Asked Questions
Is Elite Community financially healthy?
Elite Community has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,717 of 4,374 nationally on health and #71 of 192 in Illinois. Its net worth ratio is 9.17% and its delinquency rate 0.70%.
How does Elite Community compare to other credit unions?
Elite Community scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.71% vs 59.80%). Its widest shortfall is net worth ratio (9.17% vs 14.86%).
How can I join Elite Community?
Membership eligibility for Elite Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Elite Community directly for current membership requirements and application steps.
Is my money safe at Elite Community?
Elite Community 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. Elite Community's net worth ratio of 9.17% 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.