State credit union · Bloomington, Illinois · NCUA charter #63541
The Credit Union for All
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $87.5M
- Total assets
- 8,024
- Members
- 7.8%
- Net-worth ratio
The Credit Union for All - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63541, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
The Credit Union for All - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)82
- Asset quality (delinquency)50
- Earnings (ROA)87
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.78% | 30% |
| Delinquency Rate | 2.01% | 25% |
| Return on Assets | 0.37% | 15% |
| Member Growth | -6.59% | 15% |
| Loan-to-Share Ratio | 74.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $87.5M | 8,024 |
| 2024Q4 | $83.8M | 8,590 |
| 2023Q4 | $83.1M | 8,958 |
Credit Union Details
- Charter Number
- 63541
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- Bloomington
- Data Quarter
- 2025Q4
What This Data Says About The Credit Union for All
The Credit Union for All is a state credit union headquartered in Bloomington, Illinois, serving 8,024 members with $87.5M in total assets and $60.1M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 65/100 (Good), anchored by a net worth ratio of 7.78% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #63541 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 2.01% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers - and a 74.89% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.37% on net income of $324K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.59%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is The Credit Union for All financially healthy?
The Credit Union for All has a financial health score of 65/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.78% and delinquency rate of 2.01%.
How does The Credit Union for All compare to other credit unions?
Five weighted metrics from NCUA filings produce The Credit Union for All's 65/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 The Credit Union for All?
Membership eligibility for The Credit Union for All depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The Credit Union for All directly for current membership requirements and application steps.
Is my money safe at The Credit Union for All?
Federal credit unions like The Credit Union for All 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. The Credit Union for All's net worth ratio of 7.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Credit Union for All offer compared to banks?
Credit unions like The Credit Union for All 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 The Credit Union for All directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.