Federal credit union · Chicago, Illinois · NCUA charter #24946
For Members Only
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $5.9M
- Total assets
- 11,838
- Members
- 16.0%
- Net-worth ratio
For Members Only scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.9M; members 11,838; net-worth ratio 16.03%; health rank #1,412 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,412 of 4,374 health · 2025Q4For Members Only · health 88/100 · $5.9M · 2025Q4
- ROA 88/100
- ASSETS 16.0%
- MEM n/a
- RANK 3.04%
- PHOTO $5.9M
- BOOK 11,838
- CHARTER #1,412/4,374
- NCUSIF n/a
- CAMELS 24946
Call Report peers
For Members Only carries $5.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
For Members Only 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
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.
Peer-gap read for For Members Only
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +2.59 pp (3.04% vs 0.45%).
- Largest lag: Loan-to-Share Ratio at 0.00% vs peer 63.60% (-63.60 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
For Members Only: in-state Call Report ranks
- Health composite ranks #51 of 192 among scored Illinois credit unions.
- Assets rank #138 of 192 inside Illinois ($5.9M reported).
- Member book place in Illinois: #45 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.
How For Members Only's 5300 filing moved
For Members Only: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.1% from $5.9M (2025Q4) to $6.3M (2026Q1).
- Net-worth ratio shifted +0.40 pp (15.63% → 16.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under 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 40.0 pts
- Return on Assets 20.0 pts
- Member Growth 20.0 pts
- Loan-to-Share Ratio 8.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.03% | -3.03 pp |
| Delinquency Rate | - | - |
| Return on Assets | 3.04% | +2.59 pp |
| Member Growth | 29.83% | - |
| Loan-to-Share Ratio | 0.00% | -63.60 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
For Members Only quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.3M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for For Members Only.
| Office | City |
|---|---|
| For Members Only Federal Credit Union (Main Office) | Chicago, 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 For Members Only, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- For Members Only ranks #1,412 of 4,374 nationally on financial health and #51 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Peoria Bell is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Peoria Bell
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,412 of 4,374; by total assets it ranks #3,800 of 4,374 nationally (same basis as /rankings/largest); and #138 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 16.03% 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 16.03% 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.
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.