Federal credit union · Chicago, Illinois · NCUA charter #7346
SELFRELIANCE
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.13B
- Total assets
- 49,024
- Members
- 12.6%
- Net-worth ratio
SELFRELIANCE scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.13B; members 49,024; net-worth ratio 12.63%; health rank #2,276 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,276 of 4,374 health · 2025Q4SELFRELIANCE · health 83/100 · $1.13B · 2025Q4
- NW 83/100
- DELQ 12.6%
- ROA 1.76%
- ASSETS 0.22%
- MEM $1.13B
- RANK 49,024
- PHOTO #2,276/4,374
- BOOK Utah First
- CHARTER 7346
Call Report peers
SELFRELIANCE in the assets neighbourhood
SELFRELIANCE's $1.13B assets sit next to Utah First ($1.13B) 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.
SELFRELIANCE 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
83 46th percentile higher than 46% 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
SELFRELIANCE - Share Insurance Coverage
Charter #7346'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.
Where SELFRELIANCE diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +1.45 pp (12.63% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 73.40% here, 83.90% peer average (-10.50 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SELFRELIANCE: in-state Call Report ranks
- Health composite ranks #102 of 192 among scored Illinois credit unions.
- Assets rank #12 of 192 inside Illinois ($1.13B reported).
- Membership ranks #16 of 192 among Illinois CUs with a reported count (49,024 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.
SELFRELIANCE: 2025Q4 → 2026Q1
SELFRELIANCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $1.13B (2025Q4) to $1.13B (2026Q1).
- Net-worth ratio shifted +0.10 pp (12.53% → 12.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.63%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.3 pts
- Return on Assets 10.9 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 14.9 pts
SELFRELIANCE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.63% | +1.45 pp |
| Delinquency Rate | 1.76% | +0.88 pp |
| Return on Assets | 0.22% | -0.28 pp |
| Member Growth | 3.26% | - |
| Loan-to-Share Ratio | 73.40% | -10.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - SELFRELIANCE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.13B | - |
| 2025Q4 | $1.13B | 49,024 |
| 2024Q4 | $1.05B | 47,477 |
| 2023Q4 | $1.11B | 37,716 |
Credit Union Details
- Charter Number
- 7346
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for SELFRELIANCE, spread across 15 cities in 6 states.
| Office | City |
|---|---|
| Selfreliance FCU - Home Office (Main Office) | Chicago, IL |
| Bloomingdale Branch | Bloomingdale, IL |
| Selfreliance NW Branch | Chicago, IL |
| Cromwell Branch | Cromwell, CT |
| Hamtramck Branch | Hamtramck, MI |
| Jersey City Branch | Jersey City, NJ |
| Minnetonka Branch | Minnetonka, MN |
| New Britain Branch | New Britain, CT |
| Newark Branch | Newark, NJ |
| Palatine Branch | Palatine, IL |
| Warren Branch | Warren, MI |
| West Bloomfield Branch | West Bloomfield, MI |
| Westfield Branch | Westfield, MA |
| Wethersfield Branch | Wethersfield, CT |
| 50 W Dundee | Wheeling, IL |
| Whippany Branch | Whippany, NJ |
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.
SELFRELIANCE nationwide neighbourhoods
Two NCUA Call Report peer sets for SELFRELIANCE, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.13B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- SELFRELIANCE ranks #2,276 of 4,374 nationally on financial health and #102 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Abbott Laboratories is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Abbott Laboratories
- 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 SELFRELIANCE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SELFRELIANCE carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,276 of 4,374; by total assets it ranks #425 of 4,374 nationally (same basis as /rankings/largest); and #12 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.63% net worth ratio and a 1.76% delinquency rate.
How does SELFRELIANCE compare to other credit unions?
Five weighted metrics from NCUA filings produce SELFRELIANCE's 83/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 SELFRELIANCE?
SELFRELIANCE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SELFRELIANCE directly for the exact boundaries and application steps.
Is my money safe at SELFRELIANCE?
Federal credit unions like SELFRELIANCE 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. SELFRELIANCE's net worth ratio of 12.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SELFRELIANCE offer compared to banks?
Credit unions like SELFRELIANCE 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 SELFRELIANCE 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.