State credit union · Chicago, Illinois · NCUA charter #61643
PLANITES
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $38.0M
- Total assets
- 3,933
- Members
- 11.3%
- Net-worth ratio
PLANITES scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.0M; members 3,933; net-worth ratio 11.28%; health rank #2,755 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,755 of 4,374 health · 2025Q4PLANITES · health 80/100 · $38.0M · 2025Q4
- PHOTO 80/100
- BOOK 11.3%
- CHARTER 0.55%
- NCUSIF 0.24%
- CAMELS $38.0M
- HEALTH 3,933
- NW #2,755/4,374
- DELQ St. Thomas
- ROA 61643
Call Report peers
PLANITES in the assets neighbourhood
PLANITES's $38.0M assets sit next to St. Thomas ($38.0M) 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.
PLANITES 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
80 36th percentile higher than 36% 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
PLANITES - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61643: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where PLANITES diverges from peer averages
- Delinquency Rate leads the peer set - 0.55% here, 1.15% peer average (-0.60 pp).
- Loan-to-Share Ratio trails the peer set - 53.38% here, 59.80% peer average (-6.42 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where PLANITES sits in Illinois
- Illinois health ordinal: #123 of 192.
- Assets rank #82 of 192 inside Illinois ($38.0M reported).
- Illinois membership ordinal: #75 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.
PLANITES: 2025Q4 → 2026Q1
PLANITES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $38.0M (2025Q4) to $39.4M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.56% → 11.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 11.1 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 10.9 pts
Call Report ratios for PLANITES
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.28% | -3.58 pp |
| Delinquency Rate | 0.55% | -0.60 pp |
| Return on Assets | 0.24% | -0.46 pp |
| Member Growth | -3.06% | - |
| Loan-to-Share Ratio | 53.38% | -6.42 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).
Call Report history - PLANITES
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.4M | - |
| 2025Q4 | $38.0M | 3,933 |
| 2024Q4 | $37.3M | 4,057 |
| 2023Q4 | $37.4M | 4,096 |
Credit Union Details
- Charter Number
- 61643
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for PLANITES.
| Office | City |
|---|---|
| PLANITES CREDIT UNION (Main Office) | Chicago, 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
Cross-state asset and health neighbours for PLANITES - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- PLANITES ranks #2,755 of 4,374 nationally on financial health and #123 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Streator Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Streator Community
- 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 PLANITES financially healthy?
PLANITES has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,755 of 4,374; by total assets it ranks #2,652 of 4,374 nationally (same basis as /rankings/largest); and #82 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.28% and delinquency rate of 0.55%.
How does PLANITES compare to other credit unions?
Five weighted metrics from NCUA filings produce PLANITES's 80/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 PLANITES?
Membership eligibility for PLANITES depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PLANITES directly for current membership requirements and application steps.
Is my money safe at PLANITES?
Federal credit unions like PLANITES 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. PLANITES's net worth ratio of 11.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PLANITES offer compared to banks?
Credit unions like PLANITES 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 PLANITES 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.