State credit union · Kankakee, Illinois · NCUA charter #60198
Kankakee Federation of Teachers
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $10.4M
- Total assets
- 1,291
- Members
- 6.0%
- Net-worth ratio
Kankakee Federation of Teachers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60198. See our deposit-insurance coverage note.
Kankakee Federation of Teachers - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)50
- Asset quality (delinquency)72
- Earnings (ROA)70
- Member growth41
- Liquidity (loan-to-share)100
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.02% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.02% | 30% |
| Delinquency Rate | 1.28% | 25% |
| Return on Assets | 0.20% | 15% |
| Member Growth | -1.60% | 15% |
| Loan-to-Share Ratio | 78.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $10.4M | 1,291 |
| 2024Q4 | $10.5M | 1,312 |
| 2023Q4 | $9.6M | 1,312 |
Credit Union Details
- Charter Number
- 60198
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Kankakee
- Data Quarter
- 2025Q4
What This Data Says About Kankakee Federation of Teachers
1,291 members and $10.4M in total assets sit behind Kankakee Federation of Teachers, a state credit union in Kankakee, Illinois, which posts a health score of 65/100 (Good) on the five-factor composite, with $7.1M in outstanding loans as of Q4 2025 and a net worth ratio of 6.02% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60198 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 1.28% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 78.29% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.20% on net income of $21K 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 -1.60%. 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: Other). 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.
- CHICAGO'S BRAVESTChicago, IL · $10M–$50M94Health
- PARIS HI-WAYParis, IL · $10M–$50M85Health
- JOLIET MUNICIPAL EMPLOYEESjoliet, IL · $10M–$50M81Health
- SOUTH SHOPALSIP, IL · $10M–$50M80Health
- MATERNITY B.V.M.Bourbonnais, IL · $10M–$50M71Health
Compare Kankakee Federation of Teachers vs CHICAGO'S BRAVEST
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 Kankakee Federation of Teachers financially healthy?
Kankakee Federation of Teachers scores 65/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 6.02% net worth ratio and a 1.28% delinquency rate.
How does Kankakee Federation of Teachers compare to other credit unions?
PlainCU's health composite puts Kankakee Federation of Teachers at 65/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Kankakee Federation of Teachers?
Membership eligibility for Kankakee Federation of Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Kankakee Federation of Teachers directly for current membership requirements and application steps.
Is my money safe at Kankakee Federation of Teachers?
Federal credit unions like Kankakee Federation of Teachers 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. Kankakee Federation of Teachers's net worth ratio of 6.02% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Kankakee Federation of Teachers offer compared to banks?
Credit unions like Kankakee Federation of Teachers 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 Kankakee Federation of Teachers 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.