State credit union · Countryside, Illinois · NCUA charter #61847
Midwest Coalition of Labor
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $77.0M
- Total assets
- 8,470
- Members
- 14.7%
- Net-worth ratio
Midwest Coalition of Labor - Share Insurance Coverage
Charter #61847'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.
Midwest Coalition of Labor - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)90
- Earnings (ROA)100
- Member growth87
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.71%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.71% | 30% |
| Delinquency Rate | 0.75% | 25% |
| Return on Assets | 1.49% | 15% |
| Member Growth | 3.33% | 15% |
| Loan-to-Share Ratio | 85.73% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $77.0M | 8,470 |
| 2024Q4 | $74.5M | 8,197 |
| 2023Q4 | $73.5M | 7,775 |
Credit Union Details
- Charter Number
- 61847
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- Countryside
- Data Quarter
- 2025Q4
What This Data Says About Midwest Coalition of Labor
Headquartered in Countryside, Illinois, Midwest Coalition of Labor is a state credit union with 8,470 members, $77.0M in total assets, and $54.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 95/100 (Excellent), driven in part by a net worth ratio of 14.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #61847 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 85.73% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.75% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 1.49% on net income of $1.2M 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 3.33%. 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 Midwest Coalition of Labor financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - Midwest Coalition of Labor's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.71% net worth ratio and 0.75% delinquency rate are the key drivers.
How does Midwest Coalition of Labor compare to other credit unions?
On PlainCU's health composite, Midwest Coalition of Labor lands at 95/100, compared to a peer group average for $50M–$100M 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 Midwest Coalition of Labor?
Membership eligibility for Midwest Coalition of Labor depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Midwest Coalition of Labor directly for current membership requirements and application steps.
Is my money safe at Midwest Coalition of Labor?
Federal credit unions like Midwest Coalition of Labor 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. Midwest Coalition of Labor's net worth ratio of 14.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Midwest Coalition of Labor offer compared to banks?
Credit unions like Midwest Coalition of Labor 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 Midwest Coalition of Labor 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.