State credit union · Champaign, Illinois · NCUA charter #60583
University of Illinois Community
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $755.5M
- Total assets
- 64,203
- Members
- 6.0%
- Net-worth ratio
University of Illinois Community - Share Insurance Coverage
Charter #60583's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
University of Illinois Community - 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)51
- Asset quality (delinquency)91
- Earnings (ROA)29
- Member growth85
- Liquidity (loan-to-share)95
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.03%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.03% | 30% |
| Delinquency Rate | 0.74% | 25% |
| Return on Assets | -0.02% | 15% |
| Member Growth | 3.15% | 15% |
| Loan-to-Share Ratio | 91.52% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $755.5M | 64,203 |
| 2024Q4 | $678.2M | 62,243 |
| 2023Q4 | $649.8M | 61,343 |
Credit Union Details
- Charter Number
- 60583
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Champaign
- Data Quarter
- 2025Q4
What This Data Says About University of Illinois Community
64,203 members and $755.5M in total assets sit behind University of Illinois Community, a state credit union in Champaign, Illinois, which posts a health score of 69/100 (Good) on the five-factor composite, with $621.9M in outstanding loans as of Q4 2025 and a net worth ratio of 6.03% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60583 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.74% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 91.52% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.02% on net income of $-154545 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 3.15%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
- CORPORATE AMERICA FAMILYElgin, IL · Over $500M82Health
- R.I.A.Rock Island, IL · Over $500M82Health
- NUMARKJoliet, IL · Over $500M83Health
- NATIONAL POLICECHICAGO, IL · Over $500M82Health
- DUPAGENaperville, IL · Over $500M84Health
Compare University of Illinois Community vs CORPORATE AMERICA FAMILY
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 University of Illinois Community financially healthy?
A 6.03% net worth ratio and a 0.74% delinquency rate feed into University of Illinois Community's financial health score of 69/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does University of Illinois Community compare to other credit unions?
University of Illinois Community scores 69/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 University of Illinois Community?
Membership eligibility for University of Illinois Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact University of Illinois Community directly for current membership requirements and application steps.
Is my money safe at University of Illinois Community?
Federal credit unions like University of Illinois Community 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. University of Illinois Community's net worth ratio of 6.03% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does University of Illinois Community offer compared to banks?
Credit unions like University of Illinois Community 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 University of Illinois Community 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.