State credit union · Centralia, Illinois · NCUA charter #65988
Kaskaskia Valley
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $28.4M
- Total assets
- 3,630
- Members
- 8.5%
- Net-worth ratio
Kaskaskia Valley - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #65988 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Kaskaskia Valley - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)88
- Asset quality (delinquency)69
- Earnings (ROA)100
- Member growth64
- Liquidity (loan-to-share)100
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.53% | 30% |
| Delinquency Rate | 1.37% | 25% |
| Return on Assets | 0.62% | 15% |
| Member Growth | 0.50% | 15% |
| Loan-to-Share Ratio | 70.85% | 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 | $28.4M | 3,630 |
| 2024Q4 | $26.7M | 3,612 |
| 2023Q4 | $26.7M | 3,572 |
Credit Union Details
- Charter Number
- 65988
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Centralia
- Data Quarter
- 2025Q4
What This Data Says About Kaskaskia Valley
Headquartered in Centralia, Illinois, Kaskaskia Valley is a state credit union with 3,630 members, $28.4M in total assets, and $18.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 83/100 (Excellent), driven in part by a net worth ratio of 8.53% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #65988 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
1.37% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 70.85% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.62% on net income of $177K 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 0.50%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match 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 Kaskaskia Valley financially healthy?
A 8.53% net worth ratio and a 1.37% delinquency rate feed into Kaskaskia Valley's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Kaskaskia Valley compare to other credit unions?
On PlainCU's health composite, Kaskaskia Valley lands at 83/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Kaskaskia Valley?
Membership eligibility for Kaskaskia Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Kaskaskia Valley directly for current membership requirements and application steps.
Is my money safe at Kaskaskia Valley?
Federal credit unions like Kaskaskia Valley 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. Kaskaskia Valley's net worth ratio of 8.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kaskaskia Valley offer compared to banks?
Credit unions like Kaskaskia Valley 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 Kaskaskia Valley 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.