State credit union · Calumet City, Illinois · NCUA charter #68425
Illiana Financial
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $253.5M
- Total assets
- 21,095
- Members
- 17.3%
- Net-worth ratio
Illiana Financial scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $253.5M; members 21,095; net-worth ratio 17.32%; health rank #3,243 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,243 of 4,374 health · 2025Q4Illiana Financial · health 75/100 · $253.5M · 2025Q4
Call Report peers
Illiana Financial in the assets neighbourhood
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Illiana Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Illiana Financial sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Illiana Financial diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 17.32% vs peer 12.11% (+5.21 pp).
- Largest lag: Loan-to-Share Ratio at 54.98% vs peer 72.20% (-17.22 pp).
Where Illiana Financial sits in Illinois
- Health composite ranks #144 of 192 among scored Illinois credit unions.
- Illinois assets place: #36 of 192.
- Member book place in Illinois: #32 of 192.
- One place up in Illinois, Canals & Trails (#143) scores 76/100, 1 point higher; one place down, Sherwin Williams Emp. (#145) ties at 75/100.
Illiana Financial: 2025Q4 → 2026Q1
Illiana Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $253.5M (2025Q4) to $262.7M (2026Q1).
- Net-worth ratio shifted -0.59 pp (17.91% → 17.32%).
17.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Illiana Financial gives up 25 points in total. Delinquency Rate costs the most, 10.2 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.8 pts
- Return on Assets 12.7 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 11.8 pts
Illiana Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.32% | +5.21 pp |
| Delinquency Rate | 1.69% | +0.79 pp |
| Return on Assets | 0.35% | -0.28 pp |
| Member Growth | -1.81% | - |
| Loan-to-Share Ratio | 54.98% | -17.22 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Illiana Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $262.7M | - |
| 2025Q4 | $253.5M | 21,095 |
| 2024Q4 | $253.6M | 21,484 |
| 2023Q4 | $257.7M | 22,204 |
Credit Union Details
- Charter Number
- 68425
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Calumet City
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Illiana Financial runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Calumet City (Main Office) | Calumet City, IL |
| Boubonnais | Bourbonnais, IL |
| Chicago Heights | Chicago Heights, IL |
| Naperville | Naperville, IL |
| Corporate Office | South Holland, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Other-state peers near Illiana Financial
Using this data
- Illiana Financial ranks #3,243 of 4,374 nationally on financial health and #144 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Illinois State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Illinois State
Frequently Asked Questions
Is Illiana Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Illiana Financial scores 75/100 (Very Good), with a 17.32% net worth ratio and 1.69% of loans delinquent. It ranks #3,243 of 4,374 nationally on health and #144 of 192 in Illinois.
How does Illiana Financial compare to other credit unions?
Illiana Financial scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (17.32% vs 12.11%). Its widest shortfall is loan-to-share ratio (54.98% vs 72.20%).
How can I join Illiana Financial?
Membership eligibility for Illiana Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Illiana Financial directly for current membership requirements and application steps.
Is my money safe at Illiana Financial?
Illiana Financial 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. Illiana Financial's net worth ratio of 17.32% 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.