Federal credit union · CHICAGO, Illinois · NCUA charter #24123

M.w.p.h. Grand Lodge of Illinois

Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.

68
Health / 100
$436K
Total assets
255
Members
14.8%
Net-worth ratio

M.w.p.h. Grand Lodge of Illinois - Share Insurance Coverage

Charter #24123'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.

NCUSIF coverage gauge for M.w.p.h. Grand Lodge of Illinois Share insurance under NCUSIF covers up to $250,000 per share owner. M.w.p.h. Grand Lodge of Illinois holds approximately $363K in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 14.8 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 14.8% · $363K member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

M.w.p.h. Grand Lodge of Illinois - 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) 14.76% 30% weight
  • Asset quality (delinquency) — 25% weight
  • Earnings (ROA) 2.44% 15% weight
  • Member growth -5.90% 15% weight
  • Liquidity (loan-to-share) 0% 15% weight

Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 98.4%

At 14.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$436K
Total Assets
255
Members
$0
Total Loans
$363K
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 14.76% 30%
Delinquency Rate - 25%
Return on Assets 2.44% 15%
Member Growth -5.90% 15%
Loan-to-Share Ratio 0.00% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $436K 255
2024Q4 $577K 271
2023Q4 $648K 409

Credit Union Details

Charter Number
24123
Type
Federal
Field of Membership
Association/Group
Peer Group
Under $2M
State
Illinois
City
CHICAGO
Data Quarter
2025Q4

What This Data Says About M.w.p.h. Grand Lodge of Illinois

Headquartered in CHICAGO, Illinois, M.w.p.h. Grand Lodge of Illinois is a federal credit union with 255 members, $436K in total assets, and $0 in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 68/100 (Good), driven in part by a net worth ratio of 14.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24123 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.

Two more numbers round out the picture: a - delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers - and a 0.00% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.44% on net income of $11K 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 -5.90%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Association/Group) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

Nearby Credit Unions in Illinois

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Compare M.w.p.h. Grand Lodge of Illinois vs ALTON MUNICIPAL EMPLOYEES

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 M.w.p.h. Grand Lodge of Illinois financially healthy?

M.w.p.h. Grand Lodge of Illinois scores 68/100 (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 14.76% net worth ratio and a - delinquency rate.

How does M.w.p.h. Grand Lodge of Illinois compare to other credit unions?

On PlainCU's health composite, M.w.p.h. Grand Lodge of Illinois lands at 68/100, compared to a peer group average for Under $2M 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 M.w.p.h. Grand Lodge of Illinois?

M.w.p.h. Grand Lodge of Illinois serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact M.w.p.h. Grand Lodge of Illinois directly for the current list of qualifying groups.

Is my money safe at M.w.p.h. Grand Lodge of Illinois?

Federal credit unions like M.w.p.h. Grand Lodge of Illinois 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. M.w.p.h. Grand Lodge of Illinois's net worth ratio of 14.76% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does M.w.p.h. Grand Lodge of Illinois offer compared to banks?

Credit unions like M.w.p.h. Grand Lodge of Illinois 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 M.w.p.h. Grand Lodge of Illinois 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.