State credit union · Bradley, Illinois · NCUA charter #60325
FIELDSTONE
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $55.1M
- Total assets
- 4,746
- Members
- 14.2%
- Net-worth ratio
FIELDSTONE scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $55.1M; members 4,746; net-worth ratio 14.18%; health rank #1,427 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,427 of 4,374 health · 2025Q4FIELDSTONE · health 88/100 · $55.1M · 2025Q4
- HEALTH 88/100
- NW 14.2%
- DELQ 0.68%
- ROA 0.85%
- ASSETS $55.1M
- MEM 4,746
- RANK #1,427/4,374
- PHOTO JACOM
- BOOK 60325
Call Report peers
FIELDSTONE in the assets neighbourhood
FIELDSTONE's $55.1M assets sit next to JACOM ($55.0M) 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.
FIELDSTONE 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
FIELDSTONE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60325: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for FIELDSTONE
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +0.56 pp (14.18% vs 13.62%).
- Largest lag: Loan-to-Share Ratio at 58.52% vs peer 62.60% (-4.08 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where FIELDSTONE sits in Illinois
- Health composite ranks #53 of 192 among scored Illinois credit unions.
- By total assets, FIELDSTONE is #70 of 192 in Illinois.
- Illinois membership ordinal: #67 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.
FIELDSTONE: 2025Q4 → 2026Q1
FIELDSTONE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.8% from $55.1M (2025Q4) to $58.9M (2026Q1).
- Net-worth ratio shifted -0.87 pp (15.05% → 14.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 12.5 pts
Call Report ratios for FIELDSTONE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.18% | +0.56 pp |
| Delinquency Rate | 0.68% | -0.28 pp |
| Return on Assets | 0.85% | +0.20 pp |
| Member Growth | -0.94% | - |
| Loan-to-Share Ratio | 58.52% | -4.08 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
FIELDSTONE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $58.9M | - |
| 2025Q4 | $55.1M | 4,746 |
| 2024Q4 | $53.9M | 4,791 |
| 2023Q4 | $53.0M | 4,809 |
Credit Union Details
- Charter Number
- 60325
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- Bradley
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, FIELDSTONE runs one office.
| Office | City |
|---|---|
| Fieldstone Credit Union (Main Office) | Bradley, 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.
FIELDSTONE nationwide neighbourhoods
FIELDSTONE's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($55.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- FIELDSTONE ranks #1,427 of 4,374 nationally on financial health and #53 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Galesburg Burlington is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Galesburg Burlington
- 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 FIELDSTONE financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - FIELDSTONE'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 #1,427 of 4,374; by total assets it ranks #2,330 of 4,374 nationally (same basis as /rankings/largest); and #70 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.18% net worth ratio and 0.68% delinquency rate are the key drivers.
How does FIELDSTONE compare to other credit unions?
On PlainCU's health composite, FIELDSTONE lands at 88/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 FIELDSTONE?
Membership eligibility for FIELDSTONE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FIELDSTONE directly for current membership requirements and application steps.
Is my money safe at FIELDSTONE?
Federal credit unions like FIELDSTONE 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. FIELDSTONE's net worth ratio of 14.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FIELDSTONE offer compared to banks?
Credit unions like FIELDSTONE 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 FIELDSTONE 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.