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
- NW 87/100
- DELQ 9.2%
- ROA 0.70%
- ASSETS 0.27%
- MEM $22.7M
- RANK 2,260
- PHOTO #1,717/4,374
- BOOK UNITE
- CHARTER 60304
Call Report peers
Elite Community in the assets neighbourhood
Elite Community's $22.7M assets sit next to UNITE ($22.7M) 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.
Elite Community 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
87 Top 40% higher than 60% 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
Elite Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60304. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Elite Community: 2025Q4 → 2026Q1
Elite Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +10.4% from $22.7M (2025Q4) to $25.1M (2026Q1).
- Net-worth ratio shifted -0.76 pp (9.93% → 9.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Elite Community, 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 ($22.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 Elite Community financially healthy?
Elite Community has a financial health score of 87/100 (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 #1,717 of 4,374; by total assets it ranks #3,063 of 4,374 nationally (same basis as /rankings/largest); and #100 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 9.17% and delinquency rate of 0.70%.
How does Elite Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Elite Community's 87/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Elite Community 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. Elite Community's net worth ratio of 9.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Elite Community offer compared to banks?
Credit unions like Elite Community 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 Elite Community 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.