State credit union · Bloomington, Illinois · NCUA charter #68423
IAA
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $403.0M
- Total assets
- 18,055
- Members
- 13.8%
- Net-worth ratio
IAA scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $403.0M; members 18,055; net-worth ratio 13.82%; health rank #159 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#159 of 4,374 health · 2025Q4IAA · health 97/100 · $403.0M · 2025Q4
Call Report peers
IAA in the assets neighbourhood
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IAA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); IAA sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
IAA: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.71 pp (13.82% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 69.54% here, 72.20% peer average (-2.66 pp).
Illinois standing for IAA
- In Illinois, health place is #5 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #29 of 192.
- Membership ranks #36 of 192 among Illinois CUs with a reported count (18,055 members).
- One place up in Illinois, Select Employees (#4) scores 98/100, 1 point higher; one place down, SIU (#6) ties at 97/100.
Quarter path for IAA
IAA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $403.0M (2025Q4) to $414.2M (2026Q1).
- Net-worth ratio shifted -0.09 pp (13.91% → 13.82%).
This credit union's 13.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
IAA gives up 3 points in total. Member Growth costs the most, 3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for IAA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.82% | +1.71 pp |
| Delinquency Rate | 0.44% | -0.46 pp |
| Return on Assets | 1.45% | +0.82 pp |
| Member Growth | 2.46% | - |
| Loan-to-Share Ratio | 69.54% | -2.66 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
IAA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $414.2M | - |
| 2025Q4 | $403.0M | 18,055 |
| 2024Q4 | $385.6M | 17,621 |
| 2023Q4 | $358.9M | 17,203 |
Credit Union Details
- Charter Number
- 68423
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Bloomington
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, IAA runs 2 offices.
| Office | City |
|---|---|
| IAA Credit Union Main Branch (Main Office) | Bloomington, IL |
| IAA Credit Union | Bloomington, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
IAA nationwide neighbourhoods
Using this data
- IAA ranks #159 of 4,374 nationally on financial health and #5 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Streator Onized is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Streator Onized
Frequently Asked Questions
Is IAA financially healthy?
IAA has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #159 of 4,374 nationally on health and #5 of 192 in Illinois. Its net worth ratio is 13.82% and its delinquency rate 0.44%.
How does IAA compare to other credit unions?
IAA scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.82% vs 12.11%). Its widest shortfall is loan-to-share ratio (69.54% vs 72.20%).
How can I join IAA?
Membership eligibility for IAA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact IAA directly for current membership requirements and application steps.
Is my money safe at IAA?
IAA 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. IAA's net worth ratio of 13.82% 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.