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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#225 of 4,374 health · 2025Q4Streator Onized · health 96/100 · $409.5M · 2025Q4
- CHARTER 96/100
- NCUSIF 15.3%
- CAMELS 0.44%
- HEALTH 1.08%
- NW $409.5M
- DELQ 37,546
- ROA #225/4,374
- ASSETS WAUNA
- MEM 68226
Streator Onized in the assets neighbourhood
Streator Onized's $409.5M assets sit next to WAUNA ($409.7M) 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.
Streator Onized 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
96 Top 7% higher than 93% 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
Streator Onized - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68226 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Streator Onized: 2025Q4 → 2026Q1
Streator Onized: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $409.5M (2025Q4) to $423.1M (2026Q1).
- Net-worth ratio shifted -0.22 pp (15.56% → 15.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
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).
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
Cross-state asset and health neighbours for Streator Onized - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($409.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- 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 Streator Onized financially healthy?
Streator Onized has a financial health score of 96/100 (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 #225 of 4,374; by total assets it ranks #851 of 4,374 nationally (same basis as /rankings/largest); and #28 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 15.34% and delinquency rate of 0.44%.
How does Streator Onized compare to other credit unions?
On PlainCU's health composite, Streator Onized lands at 96/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like Streator Onized 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. Streator Onized's net worth ratio of 15.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Streator Onized offer compared to banks?
Credit unions like Streator Onized 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 Streator Onized 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.