State overview · Q4 2025

Illinois Credit Unions

All 192 federally-insured credit unions in Illinois, ranked by financial health, from NCUA 5300 Call Reports.

192
Credit unions
4.2M
Members
$75.8B
Combined assets
81/100
Avg health
192 CUs · avg health 81/100

Illinois has 192 federally insured credit unions averaging 81/100 health on NCUA 5300 Call Report aggregates. Combined assets $75.8B; 124 score Excellent (80+). State leader: Hershey Robinson Employees at 100/100.

  • Mean delinquency rank #23 of 52 (lower DQ better)
  • Mean ROA rank #19 of 52
  • Data vintage 2026-09-06

Illinois vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

192 6th of 54 higher than 48 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Illinois's 192 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)124 CUsGood (60–79)57 CUsFair (40–59)10 CUsWeak (<40)1 CUs

Illinois Call Report component averages

Mean NCUA 5300 ratios across 192 federally insured credit unions in Illinois, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.10%
National rank #23 of 52 · lower DQ better
Mean ROA
0.66%
National rank #19 of 52
Mean loan-to-share
62.0%
Mean net worth 15.6% · well-capitalized (≥7%) 99.0%
Largest CU share of state assets
26.7%
Tilted book, largest charter holds 25–50% of combined Illinois CU assets · concentration rank #32 of 52 (lower share = more dispersed) · largest by assets on this board: ALLIANT

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Illinois is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Illinois vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Illinois highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Illinois vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IA - 15.09%, 1.429%KS - 14.31%, 1.456%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%IL - 15.55%, 1.098%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Illinois highlighted.

All Credit Unions in Illinois

Credit Union Health
Hershey Robinson Employees Robinson 100
HEARTLAND Springfield 99
Chicago Firefighter's Chicago 98
Select Employees Sterling 98
IAA Bloomington 97
SIU Carbondale 97
St. Helena Parish Chicago 97
Financial Plus OTTAWA 96
Illinois Valley Peru 96
Joliet Firefighters Joliet 96
Streator Onized Streator 96
Abbott Laboratories Gurnee 95
Illinois State Normal 95
Midwest Coalition of Labor Countryside 95
United Community Quincy 95
A.A.E.C. Arlington Heigh 94
Chicago's Bravest Chicago 94
Israel Methcomm Chicago 94
MEA Monticello 94
River to River Vienna 94
Chicago Firemans Assoc CHICAGO 93
Members First Community QUINCY 93
MEMBERSALLIANCE Rockford 93
Normal City Employees Normal 93
Oak Lawn Municipal Employees OAK LAWN 93
REDBRAND Bartonville 93
Blackhawk Area Savanna 92
Citizens Equity First Peoria 92
COMMONWEALTH Bourbonnais 92
Dupage County Employees WHEATON 92
Galesburg Burlington Galesburg 92
I.B.E.W. Local #146 Decatur 92
Illinois Educators Springfield 92
Peoria Fire Fighters Peoria 92
EARTHMOVER Aurora 91
Ethicon Suture River Forest 91
Northwest Municipal Des Plaines 91
Peoria Hiway Peoria 91
1st Midamerica Bethalto 90
METRO Arlington Heigh 90
Western Springs WESTERN SPRINGS 90
A.S.H. Employees ANNA 89
BLAW-KNOX Mattoon 89
CONSUMERS lake Forest 89
REVITY Granite City 89
Taylorville Community Taylorville 89
Area Educational MATTOON 88
C T a F C CHICAGO 88
Credit Union 1 Lombard 88
ELCA Chicago 88
FIELDSTONE Bradley 88
For Members Only Chicago 88 †
Partnership Financial MORTON GROVE 88
Rock Valley Loves Park 88
State Employees Community Alton 88
Trinity U.C.C. Chicago 88
Urbana Municipal Employees Urbana 88
ABRI Romeoville 87
ALLIANT CHICAGO 87
Aurora Policemen AURORA 87
BEREAN Chicago 87
Community Plus Rantoul 87
Community Trust Gurnee 87
CORNERSTONE Freeport 87
Elite Community Bourbonnais 87
Evergreen Park Schools EVERGREEN PARK 87
Gas and Electric ROCK ISLAND 87
Land of Lincoln DECATUR 87
Moline Municipal Moline 87
STALEY DECATUR 87
Western Illinois School Employees QUINCY 87
Advantage One Morrison 86
BAXTER Vernon Hills 86
Decatur Earthmover Forsyth 86
Healthcare Associates Lisle 86
NUMARK Joliet 86
Peoria Bell Peoria 86
Springfield City Employees Springfield 86
State Farm Bloomington 86
Aurora Firefighters' Aurora 85
Bloomington Municipal Bloomington 85
Central Credit Union of Illinois Bellwood 85
First Northern Chicago 85
GALE Galesburg 85
Kone Employees MOLINE 85
Midwest Members Wood River 85
Molex Employees LISLE 85
Paris Hi-Way Paris 85
Rockford Municipal Employees Rockford 85
United Equity Decatur 85
Carbondale Highway Carbondale 84
Cooperative Choice Network PEORIA 84
DUPAGE Naperville 84
Effingham Highway Effingham 84
Illinois State Police Springfield 84
New Century Joliet 84
Ottawa Hiway OTTAWA 84
Service Plus Moline 84
Catholic & Community Shiloh 83
Education Personnel Danville 83
Fellowship Baptist Church CHICAGO 83
LINXUS MACHESNEY PARK 83
National Police CHICAGO 83
Reavis - Stickney BURBANK 83
SELFRELIANCE Chicago 83
SIUE Edwardsville 83
University of Illinois Community Champaign 83
Corporate America Family Elgin 82
EMPEOPLE Moline 82
I. H. Mississippi Valley Moline 82
Kaskaskia Valley Centralia 82
Mwrd Employees CHICAGO 82
R.I.A. Rock Island 82
Williamson County Catholic Herrin 82
Evanston Firemens EVANSTON 81
Joliet Municipal Employees joliet 81
Pontiac Dwight Prison Employs PONTIAC 81
Shiloh Englewood Chicago 81
ACCESS BROADVIEW 80
AMBRAW Lawrenceville 80
GENERATIONS Rockford 80
PLANITES Chicago 80
South Shop ALSIP 80
St. Mark Chicago 80
Altonized Community ALTON 79
Kankakee Federation of Teachers Kankakee 79
LANDMARK Danville 79
N.I.C.E. Geneva 79
Northern Illinois DEKALB 79
Quincy Postal Employees QUINCY 79
Riverside Community KANKAKEE 79
Streator Community Streator 79
MERCER Aledo 78
Salem School System Salem 78
U. S. Employees Chicago 78
Peoria City Employees Peoria 77
SCOTT Edwardsville 77
Springfield Firefighters Springfield 77
Alton Municipal Employees ALTON 76
Canals & Trails Lockport 76
College and University Chicago 76
St. Gregory Parish Chicago 76
St. Jude CHICAGO 76
2 Rivers Area KANKAKEE 75
Illiana Financial Calumet City 75
Sherwin Williams Emp. South Holland 75
Funeral Service Springfield 74
Bloomington Postal Employees BLOOMINGTON 73
Central Illinois champaign 73
Chicago Post Office Employees Chicago 73
Acme Continental Riverdale 72
GIDEON Waukegan 72
St. Martin De Porres Parish Chicago 72
Decatur Postal Decatur 71
Maternity B.V.M. Bourbonnais 71
77th Street Depot Chicago 70
CBI PLAINFIELD 70
Clifford-Jacobs Employees CHAMPAIGN 70
Pilgrim Baptist Chicago 70
Unified Homeowners of Illinois CHICAGO 70
TEE-PAK Danville 69
VICINITY Chicago 69
Aurora Postal Employees Aurora 68
COMMUNITY Chicago 68
M.W.P.H. Grand Lodge of Illinois CHICAGO 68 †
Peoria Postal Employees Peoria 68
Great Lakes BANNOCKBURN 67
Northwest Community MORTON GROVE 67
SMARTCHOICE Spring Valley 67
Decatur Policemen Decatur 66
Burlington Northern Santa Fe Railwy Cicero 65
HAULPAK PEORIA 65
Maroon Financial Chicago 65
SERVICES NAPERVILLE 65
The Credit Union for All Bloomington 65
B.E.A. Bethalto 64
Park Manor Christian Church CHICAGO 64
Chicago Avenue Garage Chicago 63
Bethel a.M.E. Church Chicago 62 †
Taylorville School Employees Taylorville 62
Metropolitan L Oak Park 60
Fox Valley Aurora 58
Financial Partners Springfield 57
Cta-74th Street Depot Chicago 55
Mt. Zion zion 53
VIBRANT Moline 53
South Side Community Chicago 52
Northside L Broadview 50
Harvard Community HARVARD 48
IMPERIAL Springfield 47
Chicago Area Office Chicago 43
Anco Community La Salle 39

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

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.

What This Data Says About Credit Unions in Illinois

Illinois is home to 192 federally-insured credit unions collectively serving 4.2M members with $75.8B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 81/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Hershey Robinson Employees of Robinson currently leads the cohort with a health score of 100/100, while the full distribution spans 192 institutions ranked below.

The health distribution breaks into four bands: 124 credit unions score 80–100 (Excellent), 57 score 60–79 (Good), 10 score 40–59 (Fair), and 1 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Illinois's 192 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Illinois: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($75.8B here).

Wisconsin $73.4B Pennsylvania $81.7B Utah $66.0B North Carolina $89.7B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (192 here).

Ohio 196 CUs Michigan 171 CUs California 243 CUs Louisiana 138 CUs

Frequently Asked Questions

How many credit unions are in Illinois?

There are 192 federally-insured credit unions in Illinois as of Q4 2025, with a combined 4.2M members and $75.8B in total assets. That places Illinois at #10 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Illinois ranks #33 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Illinois?

Based on NCUA Q4 2025 data, Hershey Robinson Employees in Robinson ranks highest in Illinois with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Illinois's data

  • Hershey Robinson Employees in Robinson is the healthiest scored credit union in Illinois at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Illinois's credit unions rank #23 of 52 nationally on delinquency rate (mid-pack) and #19 of 52 on return on assets (mid-pack) -- both factor into the health score above, but they can move independently. National health rankings
  • Illinois ranks #33 of 54 by average health score and #10 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.