Federal credit union · Chicago, Illinois · NCUA charter #23245
Trinity U.C.C.
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $3.9M
- Total assets
- 668
- Members
- 16.4%
- Net-worth ratio
Trinity U.C.C. scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.9M; members 668; net-worth ratio 16.36%; health rank #1,405 of 4,374; healthier than 65th of scored peers.
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NCUA 5300 Call Report Masthead
#1,405 of 4,374 health · 2025Q4Trinity U.C.C. · health 88/100 · $3.9M · 2025Q4
Call Report peers
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Trinity U.C.C. vs every NCUA-scored credit union
Trinity U.C.C. sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Trinity U.C.C.
- Delinquency Rate leads the peer set - 0.00% here, 1.81% peer average (-1.81 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -61.74 pp (1.86% vs 63.60%).
Trinity U.C.C.: in-state Call Report ranks
- Illinois health ordinal: #50 of 192.
- Illinois assets place: #151 of 192.
- Membership ranks #145 of 192 among Illinois CUs with a reported count (668 members).
- One place up in Illinois, C T a F C (#49) ties at 88/100; one place down, For Members Only (#51) ties at 88/100.
Quarter path for Trinity U.C.C.
Trinity U.C.C.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.8% from $3.9M (2025Q4) to $4.1M (2026Q1).
- Net-worth ratio shifted -0.50 pp (16.86% → 16.36%).
At 16.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Trinity U.C.C. gives up 12 points in total. Loan-to-Share Ratio costs the most, 8.8 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 11.6 pts
- Loan-to-Share Ratio 6.4 pts
Trinity U.C.C. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.36% | -2.70 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.53% | +0.08 pp |
| Member Growth | 2.14% | - |
| Loan-to-Share Ratio | 1.86% | -61.74 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Trinity U.C.C. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.1M | - |
| 2025Q4 | $3.9M | 668 |
| 2024Q4 | $3.5M | 654 |
| 2023Q4 | $3.4M | 656 |
Credit Union Details
- Charter Number
- 23245
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Trinity U.C.C. runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Chicago, IL |
| Fed Comp | Fairfax, VA |
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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Trinity U.C.C. ranks #1,405 of 4,374 nationally on financial health and #50 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Western Springs is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Western Springs
Frequently Asked Questions
Is Trinity U.C.C. financially healthy?
On its 2025Q4 NCUA 5300 filing, Trinity U.C.C. scores 88/100 (Excellent), with a 16.36% net worth ratio and 0.00% of loans delinquent. It ranks #1,405 of 4,374 nationally on health and #50 of 192 in Illinois.
How does Trinity U.C.C. compare to other credit unions?
Trinity U.C.C. scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (1.86% vs 63.60%).
How can I join Trinity U.C.C.?
Trinity U.C.C. 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 Trinity U.C.C. directly for the exact boundaries and application steps.
Is my money safe at Trinity U.C.C.?
Trinity U.C.C. is a federal 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. Trinity U.C.C.'s net worth ratio of 16.36% 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.