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
- CAMELS 96/100
- HEALTH 13.0%
- NW 0.51%
- DELQ 0.99%
- ROA $580.2M
- ASSETS 45,254
- MEM #245/4,374
- RANK FAIRMONT
- PHOTO 61231
Call Report peers
Financial Plus in the assets neighbourhood
Financial Plus's $580.2M assets sit next to FAIRMONT ($580.6M) 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.
Financial Plus 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61231 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Financial Plus
Financial Plus: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $580.2M (2025Q4) to $603.3M (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.09% → 12.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
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).
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
Cross-state asset and health neighbours for Financial Plus - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($580.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- 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 Financial Plus financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - Financial Plus'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 #245 of 4,374; by total assets it ranks #695 of 4,374 nationally (same basis as /rankings/largest); and #21 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.96% net worth ratio and 0.51% delinquency rate are the key drivers.
How does Financial Plus compare to other credit unions?
Financial Plus scores 96/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Financial Plus 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. Financial Plus's net worth ratio of 12.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Financial Plus offer compared to banks?
Credit unions like Financial Plus 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 Financial Plus 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.