State credit union · zion, Illinois · NCUA charter #67024
Mt. Zion
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $415K
- Total assets
- 164
- Members
- 16.7%
- Net-worth ratio
Mt. Zion scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $415K; members 164; net-worth ratio 16.73%; health rank #4,221 of 4,374; healthier than 3rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,221 of 4,374 health · 2025Q4Mt. Zion · health 53/100 · $415K · 2025Q4
- ASSETS 53/100
- MEM 16.7%
- RANK 6.17%
- PHOTO 0.76%
- BOOK $415K
- CHARTER 164
- NCUSIF #4,221/4,374
- CAMELS n/a
- HEALTH 67024
Call Report peers
Mt. Zion carries $415K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mt. Zion 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
53 3rd percentile higher than 3% 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
Mt. Zion - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67024. See our deposit-insurance coverage note.
Peer-gap read for Mt. Zion
- Largest favorable gap: Return on Assets at 0.76% vs peer 0.22% (+0.54 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -27.87 pp (24.83% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for Mt. Zion
- Illinois health ordinal: #185 of 192.
- Illinois assets place: #180 of 192.
- Membership ranks #181 of 192 among Illinois CUs with a reported count (164 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mt. Zion Call Report trajectory
Mt. Zion: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.8% from $415K (2025Q4) to $435K (2026Q1).
- Net-worth ratio shifted -0.71 pp (17.44% → 16.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 53/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.0 pts
Mt. Zion health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.73% | -6.20 pp |
| Delinquency Rate | 6.17% | +1.70 pp |
| Return on Assets | 0.76% | +0.54 pp |
| Member Growth | -23.36% | - |
| Loan-to-Share Ratio | 24.83% | -27.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $435K | - |
| 2025Q4 | $415K | 164 |
| 2024Q4 | $334K | 214 |
| 2023Q4 | $298K | 214 |
Credit Union Details
- Charter Number
- 67024
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- zion
- Data Quarter
- 2025Q4
Branch Location
Mt. Zion operates a single office in Zion, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Mt. Zion Credit Union (Main Office) | Zion, 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.
Mt. Zion nationwide neighbourhoods
Mt. Zion's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
Using this data
- Mt. Zion ranks #4,221 of 4,374 nationally on financial health and #185 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SERVICES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SERVICES
- 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 Mt. Zion financially healthy?
Yes/no aside, the number is 53/100 (Fair) - Mt. Zion's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,221 of 4,374; by total assets it ranks #4,308 of 4,374 nationally (same basis as /rankings/largest); and #180 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.73% net worth ratio and 6.17% delinquency rate are the key drivers.
How does Mt. Zion compare to other credit unions?
Mt. Zion scores 53/100 on PlainCU's health composite, compared to a peer group average for Under $2M 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 Mt. Zion?
Membership eligibility for Mt. Zion depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mt. Zion directly for current membership requirements and application steps.
Is my money safe at Mt. Zion?
Federal credit unions like Mt. Zion 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. Mt. Zion's net worth ratio of 16.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mt. Zion offer compared to banks?
Credit unions like Mt. Zion 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 Mt. Zion 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.