State credit union · MACHESNEY PARK, Illinois · NCUA charter #64948
LINXUS
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $17.9M
- Total assets
- 2,186
- Members
- 15.5%
- Net-worth ratio
LINXUS scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.9M; members 2,186; net-worth ratio 15.52%; health rank #2,232 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,232 of 4,374 health · 2025Q4LINXUS · health 83/100 · $17.9M · 2025Q4
- RANK 83/100
- PHOTO 15.5%
- BOOK 0.02%
- CHARTER 0.19%
- NCUSIF $17.9M
- CAMELS 2,186
- HEALTH #2,232/4,374
- NW Puget Sound Refinery
- DELQ 64948
Call Report peers
LINXUS in the assets neighbourhood
LINXUS's $17.9M assets sit next to Puget Sound Refinery ($17.9M) 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.
LINXUS 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
83 46th percentile higher than 46% 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
LINXUS - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64948: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
LINXUS: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.02% vs peer 1.15% (-1.12 pp).
- Largest lag: Loan-to-Share Ratio at 42.70% vs peer 59.80% (-17.10 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LINXUS in Illinois
- Illinois health ordinal: #100 of 192.
- Assets rank #109 of 192 inside Illinois ($17.9M reported).
- Illinois membership ordinal: #101 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.
LINXUS Call Report trajectory
LINXUS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $17.9M (2025Q4) to $18.0M (2026Q1).
- Net-worth ratio shifted +0.17 pp (15.35% → 15.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.3 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.52% | +0.66 pp |
| Delinquency Rate | 0.02% | -1.12 pp |
| Return on Assets | 0.19% | -0.52 pp |
| Member Growth | -0.73% | - |
| Loan-to-Share Ratio | 42.70% | -17.10 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.0M | - |
| 2025Q4 | $17.9M | 2,186 |
| 2024Q4 | $17.5M | 2,202 |
| 2023Q4 | $17.1M | 2,226 |
Credit Union Details
- Charter Number
- 64948
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- MACHESNEY PARK
- Data Quarter
- 2025Q4
Branch Location
LINXUS operates a single office in Machesney Park, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| LinXus Credit Union (Main Office) | Machesney Park, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Cross-state Call Report peers for LINXUS
LINXUS's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- LINXUS ranks #2,232 of 4,374 nationally on financial health and #100 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CBI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CBI
- 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 LINXUS financially healthy?
LINXUS has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,232 of 4,374; by total assets it ranks #3,216 of 4,374 nationally (same basis as /rankings/largest); and #109 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 15.52% and delinquency rate of 0.02%.
How does LINXUS compare to other credit unions?
Five weighted metrics from NCUA filings produce LINXUS's 83/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 LINXUS?
Membership eligibility for LINXUS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LINXUS directly for current membership requirements and application steps.
Is my money safe at LINXUS?
Federal credit unions like LINXUS 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. LINXUS's net worth ratio of 15.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LINXUS offer compared to banks?
Credit unions like LINXUS 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 LINXUS 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.