State credit union · Decatur, Illinois · NCUA charter #65840
I.B.E.W. Local #146
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $5.1M
- Total assets
- 650
- Members
- 12.7%
- Net-worth ratio
I.B.E.W. Local #146 scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.1M; members 650; net-worth ratio 12.67%; health rank #773 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#773 of 4,374 health · 2025Q4I.B.E.W. Local #146 · health 92/100 · $5.1M · 2025Q4
Call Report peers
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I.B.E.W. Local #146 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); I.B.E.W. Local #146 sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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
I.B.E.W. Local #146 vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.27 pp (43.33% vs 63.60%).
Where I.B.E.W. Local #146 sits in Illinois
- Illinois health ordinal: #32 of 192.
- By total assets, I.B.E.W. Local #146 is #144 of 192 in Illinois.
- Illinois membership ordinal: #147 of 192.
- One place up in Illinois, Blackhawk Area (#31) ties at 92/100; one place down, Citizens Equity First (#33) ties at 92/100.
Quarter path for I.B.E.W. Local #146
I.B.E.W. Local #146: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $5.1M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted +0.33 pp (12.34% → 12.67%).
12.67% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
I.B.E.W. Local #146 gives up 8 points in total. Loan-to-Share Ratio costs the most, 5.1 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 11.8 pts
- Loan-to-Share Ratio 10.2 pts
Call Report ratios for I.B.E.W. Local #146
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.67% | -6.39 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.33% | +0.88 pp |
| Member Growth | 2.36% | - |
| Loan-to-Share Ratio | 43.33% | -20.27 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
I.B.E.W. Local #146 quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.2M | - |
| 2025Q4 | $5.1M | 650 |
| 2024Q4 | $5.0M | 635 |
| 2023Q4 | $4.8M | 610 |
Credit Union Details
- Charter Number
- 65840
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Decatur
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for I.B.E.W. Local #146.
| Office | City |
|---|---|
| Office (Main Office) | Decatur, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- I.B.E.W. Local #146 ranks #773 of 4,374 nationally on financial health and #32 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- A.S.H. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with A.S.H. Employees
Frequently Asked Questions
Is I.B.E.W. Local #146 financially healthy?
On its 2025Q4 NCUA 5300 filing, I.B.E.W. Local #146 scores 92/100 (Excellent), with a 12.67% net worth ratio and 0.00% of loans delinquent. It ranks #773 of 4,374 nationally on health and #32 of 192 in Illinois.
How does I.B.E.W. Local #146 compare to other credit unions?
I.B.E.W. Local #146 scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (43.33% vs 63.60%).
How can I join I.B.E.W. Local #146?
Membership eligibility for I.B.E.W. Local #146 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact I.B.E.W. Local #146 directly for current membership requirements and application steps.
Is my money safe at I.B.E.W. Local #146?
I.B.E.W. Local #146 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. I.B.E.W. Local #146's net worth ratio of 12.67% 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.