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
- CAMELS 75/100
- HEALTH 17.3%
- NW 1.69%
- DELQ 0.35%
- ROA $253.5M
- ASSETS 21,095
- MEM #3,243/4,374
- RANK Midwest Community
- PHOTO 68425
Call Report peers
Illiana Financial in the assets neighbourhood
Illiana Financial's $253.5M assets sit next to Midwest Community ($253.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Illiana Financial 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
75 24th percentile higher than 24% 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
Illiana Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68425. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Illiana Financial: 2025Q4 → 2026Q1
Illiana Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $253.5M (2025Q4) to $262.7M (2026Q1).
- Net-worth ratio shifted -0.59 pp (17.91% → 17.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Illiana Financial - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($253.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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
- 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 Illiana Financial financially healthy?
Illiana Financial has a financial health score of 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,243 of 4,374; by total assets it ranks #1,131 of 4,374 nationally (same basis as /rankings/largest); and #36 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 17.32% and delinquency rate of 1.69%.
How does Illiana Financial compare to other credit unions?
Five weighted metrics from NCUA filings produce Illiana Financial's 75/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like Illiana Financial 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. Illiana Financial's net worth ratio of 17.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Illiana Financial offer compared to banks?
Credit unions like Illiana Financial 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 Illiana Financial 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.