State credit union · OTTAWA, Illinois · NCUA charter #61231
Financial Plus
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $580.2M
- Total assets
- 45,254
- Members
- 13.0%
- Net-worth ratio
Financial Plus scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $580.2M; members 45,254; net-worth ratio 12.96%; health rank #245 of 4,374; healthier than 93rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#245 of 4,374 health · 2025Q4Financial Plus · health 96/100 · $580.2M · 2025Q4
Call Report peers
Financial Plus in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Financial Plus vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Financial Plus sits in 95-99 with 391 others.
96 Top 7% higher than 93% 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
Financial Plus: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 12.96% vs peer 11.18% (+1.78 pp).
- Largest lag: Loan-to-Share Ratio at 74.82% vs peer 83.90% (-9.08 pp).
Financial Plus: in-state Call Report ranks
- Health composite ranks #9 of 192 among scored Illinois credit unions.
- Illinois assets place: #21 of 192.
- Member book place in Illinois: #19 of 192.
- One place up in Illinois, Streator Onized (#8) ties at 96/100; one place down, Joliet Firefighters (#10) ties at 96/100.
Quarter path for Financial Plus
Financial Plus: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $580.2M (2025Q4) to $603.3M (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.09% → 12.96%).
At 12.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Financial Plus gives up 4 points in total. Member Growth costs the most, 3.5 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.9 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Financial Plus
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.96% | +1.78 pp |
| Delinquency Rate | 0.51% | -0.36 pp |
| Return on Assets | 0.99% | +0.49 pp |
| Member Growth | 2.12% | - |
| Loan-to-Share Ratio | 74.82% | -9.08 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Financial Plus filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $603.3M | - |
| 2025Q4 | $580.2M | 45,254 |
| 2024Q4 | $528.3M | 44,313 |
| 2023Q4 | $489.0M | 43,126 |
Credit Union Details
- Charter Number
- 61231
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- OTTAWA
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Financial Plus, spread across 5 cities.
| Office | City |
|---|---|
| Branch 1 Ottawa (Main Office) | Ottawa, IL |
| Branch 5- Diamond Branch | Diamond, IL |
| Branch 3 Mendota Branch | Mendota, IL |
| Branch 4- Morris Branch | Morris, IL |
| Branch 2 - Peru Branch | Peru, 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
Using this data
- Financial Plus ranks #245 of 4,374 nationally on financial health and #9 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DUPAGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DUPAGE
Frequently Asked Questions
Is Financial Plus financially healthy?
On its 2025Q4 NCUA 5300 filing, Financial Plus scores 96/100 (Excellent), with a 12.96% net worth ratio and 0.51% of loans delinquent. It ranks #245 of 4,374 nationally on health and #9 of 192 in Illinois.
How does Financial Plus compare to other credit unions?
Financial Plus scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.96% vs 11.18%). Its widest shortfall is loan-to-share ratio (74.82% vs 83.90%).
How can I join Financial Plus?
Membership eligibility for Financial Plus depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Financial Plus directly for current membership requirements and application steps.
Is my money safe at Financial Plus?
Financial Plus 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. Financial Plus's net worth ratio of 12.96% 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.