Credit Union Safety Analysis
Is Abbott Laboratories Employees Credit Union Safe? Gurnee, Illinois
Based on its Q2 2026 NCUA 5300 call report, Abbott Laboratories Employees Credit Union has a net worth ratio of 14.49%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.11%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Abbott Laboratories Employees Credit Union's net worth ratio is 14.49%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.49%
- Delinquency ratio (60+ days) (Q2 2026): 0.11%
- Return on assets (Q2 2026): 1.06%
- Loan-to-share ratio (Q2 2026): 62.62%
Abbott Laboratories Employees Credit Union (NCUA charter 96071, established 1990) reported $1.14B in assets and 32,983 members for Q2 2026 from Gurnee, Illinois. It ranks 13 of 185 credit unions in Illinois by total assets. Total assets grew 3.3% from $1.10B on June 30, 2025. It has 368 more members than on June 30, 2025 (+1.1%). Its net worth ratio was up 0.43 percentage points from 14.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $417.2M of $614.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.11% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 13.61% for Q1 2026; 14.06% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.13% for Q1 2026; 0.13% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.81% for Q1 2026; 1.08% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 58.32% for Q1 2026; 62.92% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $417.2M
- Used vehicle loans: $71.1M
- New vehicle loans: $53.5M
- Unsecured credit card loans: $32.7M
- Other secured non-real estate loans and lines of credit: $30.5M
- Other unsecured loans and lines of credit: $9.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.14B | 14.49% | 0.11% | 1.06% | 62.62% |
| March 31, 2026 | $1.19B | 13.61% | 0.13% | 0.81% | 58.32% |
| December 31, 2025 | $1.12B | 14.33% | 0.11% | 0.82% | 63.38% |
| September 30, 2025 | $1.11B | 14.23% | 0.09% | 0.91% | 63.18% |
| June 30, 2025 | $1.10B | 14.06% | 0.13% | 1.08% | 62.92% |
| March 31, 2025 | $1.15B | 13.23% | 0.10% | 0.83% | 57.76% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Abbott Laboratories Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 96071) · FFIEC NIC profile (RSSD 1862625)
Frequently asked questions
Is Abbott Laboratories Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Abbott Laboratories Employees Credit Union's net worth ratio is 14.49%, above the 7% NCUA threshold for well capitalized.
Is Abbott Laboratories Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Abbott Laboratories Employees Credit Union is a federally insured credit union (NCUA charter 96071): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Abbott Laboratories Employees Credit Union's key safety ratios?
For Q2 2026, Abbott Laboratories Employees Credit Union reports net worth 14.49%, delinquency 0.11%, ROA 1.06%, loan-to-share 62.62%.
What happens to my money if Abbott Laboratories Employees Credit Union fails?
For Q2 2026, Abbott Laboratories Employees Credit Union held $981.6M in shares and deposits for 32,983 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.