State credit union · OTTAWA, Illinois · NCUA charter #63213
Ottawa Hiway
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $16.1M
- Total assets
- 1,211
- Members
- 16.5%
- Net-worth ratio
Ottawa Hiway scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.1M; members 1,211; net-worth ratio 16.51%; health rank #2,073 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,073 of 4,374 health · 2025Q4Ottawa Hiway · health 84/100 · $16.1M · 2025Q4
- DELQ 84/100
- ROA 16.5%
- ASSETS 0.00%
- MEM 1.27%
- RANK $16.1M
- PHOTO 1,211
- BOOK #2,073/4,374
- CHARTER Long Island Alliance
- NCUSIF 63213
Call Report peers
Ottawa Hiway in the assets neighbourhood
Ottawa Hiway's $16.1M assets sit next to Long Island Alliance ($16.1M) 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.
Ottawa Hiway 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
84 Top 50% higher than 50% 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
Ottawa Hiway - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #63213 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Ottawa Hiway: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 16.51% here, 14.86% peer average (+1.65 pp).
- Loan-to-Share Ratio trails the peer set - 51.74% here, 59.80% peer average (-8.06 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ottawa Hiway in Illinois
- In Illinois, health place is #92 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, Ottawa Hiway is #112 of 192 in Illinois.
- Illinois membership ordinal: #122 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.
Quarter path for Ottawa Hiway
Ottawa Hiway: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $16.1M (2025Q4) to $15.9M (2026Q1).
- Net-worth ratio shifted +0.66 pp (15.85% → 16.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 10.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.51% | +1.65 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.27% | +0.56 pp |
| Member Growth | -3.20% | - |
| Loan-to-Share Ratio | 51.74% | -8.06 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 | $15.9M | - |
| 2025Q4 | $16.1M | 1,211 |
| 2024Q4 | $15.2M | 1,251 |
| 2023Q4 | $15.1M | 1,249 |
Credit Union Details
- Charter Number
- 63213
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- OTTAWA
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Ottawa Hiway, spread across 2 cities.
| Office | City |
|---|---|
| Ottawa Hiway Credit Union (Main Office) | Ottawa, IL |
| Ottawa Hiway Credit Union | Dixon, IL |
| Building B | Ottawa, 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.
Nationwide credit unions with similar profiles
Ottawa Hiway's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Ottawa Hiway ranks #2,073 of 4,374 nationally on financial health and #92 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AMBRAW is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AMBRAW
- 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 Ottawa Hiway financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Ottawa Hiway carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,073 of 4,374; by total assets it ranks #3,286 of 4,374 nationally (same basis as /rankings/largest); and #112 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.51% net worth ratio and a 0.00% delinquency rate.
How does Ottawa Hiway compare to other credit unions?
On PlainCU's health composite, Ottawa Hiway lands at 84/100, 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 Ottawa Hiway?
Membership eligibility for Ottawa Hiway depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Ottawa Hiway directly for current membership requirements and application steps.
Is my money safe at Ottawa Hiway?
Federal credit unions like Ottawa Hiway 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. Ottawa Hiway's net worth ratio of 16.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ottawa Hiway offer compared to banks?
Credit unions like Ottawa Hiway 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 Ottawa Hiway 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.