Federal credit union · CHICAGO, Illinois · NCUA charter #24767
Unified Homeowners of Illinois
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $505K
- Total assets
- 298
- Members
- 7.5%
- Net-worth ratio
Unified Homeowners of Illinois scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $505K; members 298; net-worth ratio 7.51%; health rank #3,619 of 4,374; healthier than 17th of scored peers.
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#3,619 of 4,374 health · 2025Q4Unified Homeowners · health 70/100 · $505K · 2025Q4
Call Report peers
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Unified Homeowners of Illinois vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Unified Homeowners of Illinois sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Unified Homeowners of Illinois: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 63.07% here, 52.70% peer average (+10.37 pp).
- Widest shortfall vs peers is Return on Assets: -22.29 pp (-22.07% vs 0.22%).
Where Unified Homeowners of Illinois sits in Illinois
- In Illinois, health place is #160 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #176 of 192 inside Illinois ($505K reported).
- Membership ranks #170 of 192 among Illinois CUs with a reported count (298 members).
- One place up in Illinois, CBI (#159) ties at 70/100; one place down, TEE-PAK (#161) scores 69/100, 1 point lower.
How Unified Homeowners of Illinois's 5300 filing moved
Unified Homeowners of Illinois: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -9.8% from $505K (2025Q4) to $456K (2026Q1).
- Net-worth ratio shifted -0.25 pp (7.76% → 7.51%).
7.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 70/100 score is built
Unified Homeowners of Illinois gives up 30 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 23.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 13.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.51% | -15.42 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -22.07% | -22.29 pp |
| Member Growth | -0.67% | - |
| Loan-to-Share Ratio | 63.07% | +10.37 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - Unified Homeowners of Illinois
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $456K | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Unified Homeowners of Illinois.
| Office | City |
|---|---|
| UNIFIED HOMEOWNERS OF ILLINOIS FEDERAL CREDIT UNION (Main Office) | CHICAGO, 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.
Unified Homeowners of Illinois nationwide neighbourhoods
Similar health score
Using this data
- Unified Homeowners of Illinois ranks #3,619 of 4,374 nationally on financial health and #160 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Mark is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Mark
Frequently Asked Questions
Is Unified Homeowners of Illinois financially healthy?
Unified Homeowners of Illinois has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,619 of 4,374 nationally on health and #160 of 192 in Illinois. Its net worth ratio is 7.51% and its delinquency rate 0.00%.
How does Unified Homeowners of Illinois compare to other credit unions?
Unified Homeowners of Illinois scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (63.07% vs 52.70%). Its widest shortfall is return on assets (-22.07% vs 0.22%).
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?
Unified Homeowners of Illinois 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. Unified Homeowners of Illinois's net worth ratio of 7.51% 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.