Federal credit union · CHICAGO, Illinois · NCUA charter #24767
Unified Homeowners of Illinois
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $505K
- Total assets
- 298
- Members
- 7.3%
- Net-worth ratio
Unified Homeowners of Illinois - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24767: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Unified Homeowners of Illinois - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)78
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth52
- Liquidity (loan-to-share)90
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.32% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -22.07% | 15% |
| Member Growth | -0.67% | 15% |
| Loan-to-Share Ratio | 63.07% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $505K | 298 |
| 2024Q4 | $591K | 300 |
| 2023Q4 | $665K | 304 |
Credit Union Details
- Charter Number
- 24767
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Under $2M
- State
- Illinois
- City
- CHICAGO
- Data Quarter
- 2025Q4
What This Data Says About Unified Homeowners of Illinois
Charter #24767, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Unified Homeowners of Illinois, a federal credit union in CHICAGO, Illinois with 298 members, $505K in total assets, and $294K in outstanding loans as of Q4 2025. The five-factor composite scores it 70/100 (Very Good), helped by a net worth ratio of 7.32% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. The loan-to-share ratio of 63.07% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -22.07% on net income of $-111473 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 -0.67%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other/Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Unified Homeowners of Illinois financially healthy?
A 7.32% net worth ratio and a 0.00% delinquency rate feed into Unified Homeowners of Illinois's financial health score of 70/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Unified Homeowners of Illinois compare to other credit unions?
PlainCU's health composite puts Unified Homeowners of Illinois at 70/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Unified Homeowners of Illinois?
Unified Homeowners of Illinois 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 Unified Homeowners of Illinois directly for the exact boundaries and application steps.
Is my money safe at Unified Homeowners of Illinois?
Federal credit unions like Unified Homeowners of Illinois 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. Unified Homeowners of Illinois's net worth ratio of 7.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Unified Homeowners of Illinois offer compared to banks?
Credit unions like Unified Homeowners of Illinois 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 Unified Homeowners of Illinois 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.