State credit union · Carbondale, Illinois · NCUA charter #60279
SIU
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $561.0M
- Total assets
- 45,875
- Members
- 11.4%
- Net-worth ratio
SIU scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $561.0M; members 45,875; net-worth ratio 11.36%; health rank #194 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#194 of 4,374 health · 2025Q4SIU · health 97/100 · $561.0M · 2025Q4
Call Report peers
SIU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SIU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SIU sits in 95-99 with 391 others.
97 Top 5% higher than 95% 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
SIU vs Over $500M peers
- Largest favorable gap: Return on Assets at 1.12% vs peer 0.51% (+0.61 pp).
- Loan-to-Share Ratio trails the peer set - 78.81% here, 83.90% peer average (-5.09 pp).
SIU: in-state Call Report ranks
- Illinois health ordinal: #6 of 192.
- Illinois assets place: #22 of 192.
- Member book place in Illinois: #18 of 192.
- One place up in Illinois, IAA (#5) ties at 97/100; one place down, St. Helena Parish (#7) ties at 97/100.
Quarter path for SIU
SIU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.9% from $561.0M (2025Q4) to $588.2M (2026Q1).
- Net-worth ratio shifted -0.21 pp (11.57% → 11.36%).
This credit union's 11.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
SIU gives up 3 points in total. Delinquency Rate costs the most, 3.4 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.6 pts
- Return on Assets 15.0 pts
- Member Growth 14.9 pts
- Loan-to-Share Ratio 15.5 pts
Call Report ratios for SIU
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.36% | +0.18 pp |
| Delinquency Rate | 0.84% | -0.04 pp |
| Return on Assets | 1.12% | +0.61 pp |
| Member Growth | 4.92% | - |
| Loan-to-Share Ratio | 78.81% | -5.09 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
SIU quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $588.2M | - |
| 2025Q4 | $561.0M | 45,875 |
| 2024Q4 | $512.0M | 43,724 |
| 2023Q4 | $477.2M | 44,799 |
Credit Union Details
- Charter Number
- 60279
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Carbondale
- Data Quarter
- 2025Q4
Branch Locations (7)
SIU operates 7 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Carbondale, IL |
| East Branch | Carbondale, IL |
| West Branch | Carbondale, IL |
| Energy | Energy, IL |
| HARRISBURG BRANCH | Harrisburg, IL |
| Marion Branch | Marion, IL |
| Metropolis Branch | Metropolis, 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.
Cross-state Call Report peers for SIU
Using this data
- SIU ranks #194 of 4,374 nationally on financial health and #6 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HEARTLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HEARTLAND
Frequently Asked Questions
Is SIU financially healthy?
SIU has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #194 of 4,374 nationally on health and #6 of 192 in Illinois. Its net worth ratio is 11.36% and its delinquency rate 0.84%.
How does SIU compare to other credit unions?
SIU scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (1.12% vs 0.51%). Its widest shortfall is loan-to-share ratio (78.81% vs 83.90%).
How can I join SIU?
Membership eligibility for SIU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SIU directly for current membership requirements and application steps.
Is my money safe at SIU?
SIU is a state-chartered credit union; its shares are federally 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. SIU's net worth ratio of 11.36% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.