American Nickeloid Community Credit Union La Salle, Illinois
American Nickeloid Community Credit Union is a state-chartered credit union headquartered in La Salle, IL, established in 1955 (NCUA charter 60184), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,458 members and total assets of $10.2M (down 7.5% from Q2 2025), the 118th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 4.80% at Q2 2026, in the undercapitalized band.
Also written as American Nickeloid Community CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60184
- Headquarters
- La Salle, IL
- Established
- 1955
- Total assets, Q2 2026
- $10.2M
- Assets vs Q2 2025
- -7.5%
- Members, Q2 2026
- 1,458
- Net worth ratio, Q2 2026
- 4.80%
- Latest call report
- Q2 2026, NCUA 5300 · American Nickeloid Community Credit Union call report
- Asset rank in state
- 118th of 185 in Illinois
- Routing number
- 271985721
- Branches
- 1
It has 434 fewer members than on June 30, 2025 (-22.9%). Its net worth ratio was down 2.87 percentage points from 7.67% on June 30, 2025. Used vehicle loans are its largest loan category, $2.0M of $4.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.64% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 4.80% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Illinois
Credit unions merged into American Nickeloid Community Credit Union
Frequently asked about American Nickeloid Community Credit Union
How big is American Nickeloid Community Credit Union?
At Q2 2026 it reported total assets of $10.2M and 1,458 members.
Where is American Nickeloid Community Credit Union headquartered?
It is headquartered in La Salle, IL, United States.
When was American Nickeloid Community Credit Union founded?
It was established in 1955, per NCUA records.
Is American Nickeloid Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60184): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates American Nickeloid Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is American Nickeloid Community Credit Union well capitalized?
Its net worth ratio was 4.80% at Q2 2026, in the undercapitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is American Nickeloid Community Credit Union's delinquency ratio?
Its delinquency ratio was 3.64% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is American Nickeloid Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 44.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- La Salle, IL 61301
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 60184
- RSSD ID
- 305095
- Members
- 1,458
- Potential members
- 40,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 7.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 4.80% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -2.08% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -43.33% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.53% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 179.64% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.32% | 0.78% | 22nd bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 3.64% | 0.86% | 12th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.85% | 4.70% | 15th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 44.84% | 58.92% | 29th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$10.2M total assets against $11.1M; $9.7M total shares and deposits against $10.3M; $4.4M total loans against $4.8M.
$491K net worth against $858K.
4.80% net worth ratio against 7.67%.
44.84% loan-to-share ratio against 46.77%.
3.64% delinquency ratio against 5.98%.
-2.08% return on assets against -0.90%; -43.33% return on equity against -11.63%.
2.53% net interest margin against 2.56%.
1,458 members against 1,892.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 4.80% | -2.08% | 3.64% | 44.84% |
| March 31, 2026 | 5.01% | -1.88% | 5.58% | 46.11% |
| December 31, 2025 | 4.92% | -4.08% | 4.73% | 43.49% |
| September 30, 2025 | 7.42% | -0.35% | 4.05% | 46.62% |
| June 30, 2025 | 7.67% | -0.90% | 5.98% | 46.77% |
| March 31, 2025 | 7.85% | 1.55% | 5.28% | 47.21% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is below the 6% NCUA adequately-capitalized threshold, placing the credit union in the undercapitalized Prompt Corrective Action category, which triggers mandatory earnings-retention and supervisory restrictions. NCUA Prompt Corrective Action, 12 CFR 702.102.
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.