State credit union · Chicago, Illinois · NCUA charter #60041
VICINITY
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $200.1M
- Total assets
- 18,678
- Members
- 8.4%
- Net-worth ratio
VICINITY scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $200.1M; members 18,678; net-worth ratio 8.38%; health rank #3,673 of 4,374; healthier than 16th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,673 of 4,374 health · 2025Q4VICINITY · health 69/100 · $200.1M · 2025Q4
Call Report peers
VICINITY in the assets neighbourhood
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VICINITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VICINITY sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where VICINITY diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.17 pp (0.73% vs 0.89%).
- Largest lag: Loan-to-Share Ratio at 51.35% vs peer 72.20% (-20.85 pp).
VICINITY: in-state Call Report ranks
- In Illinois, health place is #162 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #42 of 192.
- Membership ranks #34 of 192 among Illinois CUs with a reported count (18,678 members).
- One place up in Illinois, TEE-PAK (#161) ties at 69/100; one place down, COMMUNITY (#163) scores 68/100, 1 point lower.
How VICINITY's 5300 filing moved
VICINITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $200.1M (2025Q4) to $201.2M (2026Q1).
- Net-worth ratio shifted -0.41 pp (8.79% → 8.38%).
At 8.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
VICINITY gives up 31 points in total. Return on Assets costs the most, 11 of its 15; Delinquency Rate loses the least, 2.3.
- Net Worth Ratio 26.0 pts
- Delinquency Rate 22.7 pts
- Return on Assets 4.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 10.5 pts
Call Report ratios for VICINITY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.38% | -3.73 pp |
| Delinquency Rate | 0.73% | -0.17 pp |
| Return on Assets | -0.06% | -0.68 pp |
| Member Growth | -1.79% | - |
| Loan-to-Share Ratio | 51.35% | -20.85 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - VICINITY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $201.2M | - |
| 2025Q4 | $200.1M | 18,678 |
| 2024Q4 | $275.3M | 19,018 |
| 2023Q4 | $286.6M | 20,028 |
Credit Union Details
- Charter Number
- 60041
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for VICINITY, spread across 2 cities.
| Office | City |
|---|---|
| Pulaski Office (Main Office) | Chicago, IL |
| Hyde Park Office | Chicago, IL |
| Evergreen Park Branch | Evergreen Park, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Other-state peers near VICINITY
Similar total assets
Using this data
- VICINITY ranks #3,673 of 4,374 nationally on financial health and #162 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cooperative Choice Network is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cooperative Choice Network
Frequently Asked Questions
Is VICINITY financially healthy?
On its 2025Q4 NCUA 5300 filing, VICINITY scores 69/100 (Good), with a 8.38% net worth ratio and 0.73% of loans delinquent. It ranks #3,673 of 4,374 nationally on health and #162 of 192 in Illinois.
How does VICINITY compare to other credit unions?
VICINITY scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.73% vs 0.89%). Its widest shortfall is loan-to-share ratio (51.35% vs 72.20%).
How can I join VICINITY?
Membership eligibility for VICINITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VICINITY directly for current membership requirements and application steps.
Is my money safe at VICINITY?
VICINITY is a state-chartered 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. VICINITY's net worth ratio of 8.38% 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.