State credit union · Normal, Illinois · NCUA charter #64920
Illinois State
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $242.1M
- Total assets
- 18,102
- Members
- 10.3%
- Net-worth ratio
Illinois State scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $242.1M; members 18,102; net-worth ratio 10.35%; health rank #408 of 4,374; healthier than 90th of scored peers.
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#408 of 4,374 health · 2025Q4Illinois State · health 95/100 · $242.1M · 2025Q4
Call Report peers
Illinois State in the assets neighbourhood
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Illinois State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Illinois State sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Illinois State
- Loan-to-Share Ratio leads the peer set - 84.74% here, 72.20% peer average (+12.54 pp).
- Net Worth Ratio trails the peer set - 10.35% here, 12.11% peer average (-1.76 pp).
Illinois State in Illinois
- Health composite ranks #15 of 192 among scored Illinois credit unions.
- Illinois assets place: #37 of 192.
- Membership ranks #35 of 192 among Illinois CUs with a reported count (18,102 members).
- One place up in Illinois, Abbott Laboratories (#14) ties at 95/100; one place down, Chicago's Bravest (#16) scores 94/100, 1 point lower.
Illinois State: 2025Q4 → 2026Q1
Illinois State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $242.1M (2025Q4) to $252.6M (2026Q1).
- Net-worth ratio shifted -0.19 pp (10.54% → 10.35%).
This credit union's 10.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Illinois State gives up 5 points in total. Member Growth costs the most, 3.3 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.7 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 14.6 pts
Illinois State vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.35% | -1.76 pp |
| Delinquency Rate | 0.43% | -0.46 pp |
| Return on Assets | 0.41% | -0.21 pp |
| Member Growth | 2.28% | - |
| Loan-to-Share Ratio | 84.74% | +12.54 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Illinois State
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $252.6M | - |
| 2025Q4 | $242.1M | 18,102 |
| 2024Q4 | $219.2M | 17,699 |
| 2023Q4 | $205.4M | 17,474 |
Credit Union Details
- Charter Number
- 64920
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Normal
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Illinois State runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Illinois State Credit Union (Main Office) | Normal, IL |
| 1408 Airport Road | Bloomington, IL |
| Loves Park Branch | Loves Park, IL |
| Bone Student Center Branch | Normal, IL |
| Ottawa Branch | Ottawa, 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.
Illinois State nationwide neighbourhoods
Using this data
- Illinois State ranks #408 of 4,374 nationally on financial health and #15 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Illiana Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Illiana Financial
Frequently Asked Questions
Is Illinois State financially healthy?
On its 2025Q4 NCUA 5300 filing, Illinois State scores 95/100 (Excellent), with a 10.35% net worth ratio and 0.43% of loans delinquent. It ranks #408 of 4,374 nationally on health and #15 of 192 in Illinois.
How does Illinois State compare to other credit unions?
Illinois State scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.74% vs 72.20%). Its widest shortfall is net worth ratio (10.35% vs 12.11%).
How can I join Illinois State?
Membership eligibility for Illinois State depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Illinois State directly for current membership requirements and application steps.
Is my money safe at Illinois State?
Illinois State 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. Illinois State's net worth ratio of 10.35% 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.