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
- ASSETS 69/100
- MEM 8.4%
- RANK 0.73%
- PHOTO -0.06%
- BOOK $200.1M
- CHARTER 18,678
- NCUSIF #3,673/4,374
- CAMELS Spirit of Alaska
- HEALTH 60041
Call Report peers
VICINITY in the assets neighbourhood
VICINITY's $200.1M assets sit next to Spirit of Alaska ($199.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VICINITY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
VICINITY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60041, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How VICINITY's 5300 filing moved
VICINITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $200.1M (2025Q4) to $201.2M (2026Q1).
- Net-worth ratio shifted -0.41 pp (8.79% → 8.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
VICINITY's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($200.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is VICINITY financially healthy?
VICINITY has a financial health score of 69/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,673 of 4,374; by total assets it ranks #1,278 of 4,374 nationally (same basis as /rankings/largest); and #42 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.38% and delinquency rate of 0.73%.
How does VICINITY compare to other credit unions?
PlainCU's health composite puts VICINITY at 69/100, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like VICINITY 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. VICINITY's net worth ratio of 8.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VICINITY offer compared to banks?
Credit unions like VICINITY 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 VICINITY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.