Federal credit union · Chicago, Illinois · NCUA charter #24946
For Members Only
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $5.9M
- Total assets
- 11,838
- Members
- 15.6%
- Net-worth ratio
For Members Only - Share Insurance Coverage
Charter #24946's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
For Members Only - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)-
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)40
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.63% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.63% | 30% |
| Delinquency Rate | - | 25% |
| Return on Assets | 3.04% | 15% |
| Member Growth | 29.83% | 15% |
| Loan-to-Share Ratio | 0.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.9M | 11,838 |
| 2024Q4 | $4.9M | 9,118 |
| 2023Q4 | $3.9M | 6,607 |
Credit Union Details
- Charter Number
- 24946
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
What This Data Says About For Members Only
The five-factor composite scores For Members Only at 88/100 (Excellent), reflecting a net worth ratio of 15.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Chicago, Illinois, reports 11,838 members, $5.9M in total assets, and $0 in outstanding loans as of Q4 2025 under charter #24946 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
On loan book quality: - of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 0.00% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 3.04% on net income of $179K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 29.83%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is For Members Only financially healthy?
For Members Only has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.63% and delinquency rate of -.
How does For Members Only compare to other credit unions?
Five weighted metrics from NCUA filings produce For Members Only's 88/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 For Members Only?
For Members Only operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact For Members Only directly for the exact boundaries and application steps.
Is my money safe at For Members Only?
Federal credit unions like For Members Only 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. For Members Only's net worth ratio of 15.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does For Members Only offer compared to banks?
Credit unions like For Members Only 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 For Members Only directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.