State credit union · Streator, Illinois · NCUA charter #68226
Streator Onized
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $409.5M
- Total assets
- 37,546
- Members
- 15.3%
- Net-worth ratio
Streator Onized scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $409.5M; members 37,546; net-worth ratio 15.34%; health rank #225 of 4,374; healthier than 93rd of scored peers.
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Streator Onized vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Streator Onized sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Streator Onized diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 93.93% here, 72.20% peer average (+21.73 pp).
Streator Onized: in-state Call Report ranks
- In Illinois, health place is #8 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, Streator Onized is #28 of 192 in Illinois.
- Illinois membership ordinal: #22 of 192.
- One place up in Illinois, St. Helena Parish (#7) scores 97/100, 1 point higher; one place down, Financial Plus (#9) ties at 96/100.
Streator Onized: 2025Q4 → 2026Q1
Streator Onized: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $409.5M (2025Q4) to $423.1M (2026Q1).
- Net-worth ratio shifted -0.22 pp (15.56% → 15.34%).
At 15.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Streator Onized gives up 4 points in total. Member Growth costs the most, 1.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.34% | +3.23 pp |
| Delinquency Rate | 0.44% | -0.46 pp |
| Return on Assets | 1.08% | +0.46 pp |
| Member Growth | 3.44% | - |
| Loan-to-Share Ratio | 93.93% | +21.73 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Streator Onized
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $423.1M | - |
| 2025Q4 | $409.5M | 37,546 |
| 2024Q4 | $383.2M | 36,298 |
| 2023Q4 | $356.2M | 35,223 |
Credit Union Details
- Charter Number
- 68226
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Streator
- Data Quarter
- 2025Q4
Branch Locations (7)
Streator Onized operates 7 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Streator Onized Credit Union (Main Office) | Streator, IL |
| Streator Onized Credit Union | Dwight, IL |
| Streator Onized Credit Union | Morris, IL |
| Streator Onized Credit Union | Ottawa, IL |
| SOCU Pontiac Branch | Pontiac, IL |
| Streator Onized Credit Union | Streator, IL |
| SOCU Main St Branch | Streator, 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.
Nationwide credit unions with similar profiles
Using this data
- Streator Onized ranks #225 of 4,374 nationally on financial health and #8 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- IAA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with IAA
Frequently Asked Questions
Is Streator Onized financially healthy?
On its 2025Q4 NCUA 5300 filing, Streator Onized scores 96/100 (Excellent), with a 15.34% net worth ratio and 0.44% of loans delinquent. It ranks #225 of 4,374 nationally on health and #8 of 192 in Illinois.
How does Streator Onized compare to other credit unions?
Streator Onized scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (93.93% vs 72.20%).
How can I join Streator Onized?
Membership eligibility for Streator Onized depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Streator Onized directly for current membership requirements and application steps.
Is my money safe at Streator Onized?
Streator Onized 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. Streator Onized's net worth ratio of 15.34% 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.