Federal credit union · Chicago, Illinois · NCUA charter #15673
Israel Methcomm
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.3M
- Total assets
- 235
- Members
- 11.9%
- Net-worth ratio
Israel Methcomm - Share Insurance Coverage
Charter #15673's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Israel Methcomm - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth96
- Liquidity (loan-to-share)63
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.92% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.21% | 15% |
| Member Growth | 4.44% | 15% |
| Loan-to-Share Ratio | 38.97% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.3M | 235 |
| 2024Q4 | $2.0M | 225 |
| 2023Q4 | $1.9M | 220 |
Credit Union Details
- Charter Number
- 15673
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
What This Data Says About Israel Methcomm
The five-factor composite scores Israel Methcomm at 94/100 (Excellent), reflecting a net worth ratio of 11.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Chicago, Illinois, reports 235 members, $2.3M in total assets, and $653K in outstanding loans as of Q4 2025 under charter #15673 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 38.97% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.21% on net income of $28K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.44%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community/Select Employee Group). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Israel Methcomm financially healthy?
Israel Methcomm has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.92% and delinquency rate of 0.00%.
How does Israel Methcomm compare to other credit unions?
Israel Methcomm scores 94/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Israel Methcomm?
Israel Methcomm operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Israel Methcomm directly for the exact boundaries and application steps.
Is my money safe at Israel Methcomm?
Federal credit unions like Israel Methcomm 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. Israel Methcomm's net worth ratio of 11.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Israel Methcomm offer compared to banks?
Credit unions like Israel Methcomm 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 Israel Methcomm directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.