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
- CAMELS 92/100
- HEALTH 12.7%
- NW 0.00%
- DELQ 1.33%
- ROA $5.1M
- ASSETS 650
- MEM #773/4,374
- RANK n/a
- PHOTO 65840
Call Report peers
I.B.E.W. Local #146 carries $5.1M 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.
I.B.E.W. Local #146 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65840, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 I.B.E.W. Local #146
I.B.E.W. Local #146: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $5.1M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted +0.33 pp (12.34% → 12.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
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).
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
Two NCUA Call Report peer sets for I.B.E.W. Local #146, 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 (92/100 here).
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
- 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 I.B.E.W. Local #146 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, I.B.E.W. Local #146 carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #773 of 4,374; by total assets it ranks #3,878 of 4,374 nationally (same basis as /rankings/largest); and #144 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.67% net worth ratio and a 0.00% delinquency rate.
How does I.B.E.W. Local #146 compare to other credit unions?
On PlainCU's health composite, I.B.E.W. Local #146 lands at 92/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like I.B.E.W. Local #146 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. I.B.E.W. Local #146's net worth ratio of 12.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does I.B.E.W. Local #146 offer compared to banks?
Credit unions like I.B.E.W. Local #146 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 I.B.E.W. Local #146 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.