State credit union · MORTON GROVE, Illinois · NCUA charter #62854
Partnership Financial
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $384.0M
- Total assets
- 14,356
- Members
- 12.1%
- Net-worth ratio
Partnership Financial scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $384.0M; members 14,356; net-worth ratio 12.13%; health rank #1,454 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,454 of 4,374 health · 2025Q4Partnership Financial · health 88/100 · $384.0M · 2025Q4
- CHARTER 88/100
- NCUSIF 12.1%
- CAMELS 0.50%
- HEALTH 0.69%
- NW $384.0M
- DELQ 14,356
- ROA #1,454/4,374
- ASSETS UNISON
- MEM 62854
Call Report peers
Partnership Financial in the assets neighbourhood
Partnership Financial's $384.0M assets sit next to UNISON ($384.2M) 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.
Partnership Financial 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
88 Top 35% higher than 65% 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
Partnership Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62854, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Partnership Financial: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.50% here, 0.89% peer average (-0.39 pp).
- Loan-to-Share Ratio trails the peer set - 50.92% here, 72.20% peer average (-21.28 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for Partnership Financial
- Health composite ranks #54 of 192 among scored Illinois credit unions.
- By total assets, Partnership Financial is #30 of 192 in Illinois.
- Membership ranks #40 of 192 among Illinois CUs with a reported count (14,356 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.
Quarter path for Partnership Financial
Partnership Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $384.0M (2025Q4) to $397.7M (2026Q1).
- Net-worth ratio shifted -0.09 pp (12.22% → 12.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 10.4 pts
Call Report ratios for Partnership Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.13% | +0.02 pp |
| Delinquency Rate | 0.50% | -0.39 pp |
| Return on Assets | 0.69% | +0.07 pp |
| Member Growth | -0.80% | - |
| Loan-to-Share Ratio | 50.92% | -21.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Partnership Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $397.7M | - |
| 2025Q4 | $384.0M | 14,356 |
| 2024Q4 | $366.5M | 14,472 |
| 2023Q4 | $358.2M | 14,771 |
Credit Union Details
- Charter Number
- 62854
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- MORTON GROVE
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, Partnership Financial runs 8 offices in 7 different cities.
| Office | City |
|---|---|
| PARTNERSHIP FINANCIAL CREDIT UNION (Main Office) | MORTON GROVE, IL |
| DISASTER RECOVERY | Barrington, IL |
| BARRINGTON OFFICE | BARRINGTON, IL |
| DES PLAINES OFFICE | DES PLAINES, IL |
| EVANSTON OFFICE | EVANSTON, IL |
| FRANKLIN PARK OFFICE | Franklin PARK, IL |
| LOCATION OF RECORDS | MORTON GROVE, IL |
| RIVER GROVE - TRITON COLLEGE | River Grove, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Partnership Financial
Cross-state asset and health neighbours for Partnership Financial - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($384.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Partnership Financial ranks #1,454 of 4,374 nationally on financial health and #54 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ABRI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ABRI
- 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 Partnership Financial financially healthy?
Partnership Financial scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,454 of 4,374; by total assets it ranks #892 of 4,374 nationally (same basis as /rankings/largest); and #30 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.13% net worth ratio and a 0.50% delinquency rate.
How does Partnership Financial compare to other credit unions?
PlainCU's health composite puts Partnership Financial at 88/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Partnership Financial?
Membership eligibility for Partnership Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Partnership Financial directly for current membership requirements and application steps.
Is my money safe at Partnership Financial?
Federal credit unions like Partnership Financial 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. Partnership Financial's net worth ratio of 12.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Partnership Financial offer compared to banks?
Credit unions like Partnership Financial 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 Partnership Financial 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.