Credit Union Safety Analysis
Is American Nickeloid Community Credit Union Safe? La Salle, Illinois
Based on its Q2 2026 NCUA 5300 call report, American Nickeloid Community Credit Union has a net worth ratio of 4.80%, below the NCUA level for adequately capitalized, its 60-day delinquency ratio is 3.64%, 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, American Nickeloid Community Credit Union's net worth ratio is 4.80%, below the 6% NCUA level for adequately capitalized.
- Net worth ratio (Q2 2026): 4.80%
- Delinquency ratio (60+ days) (Q2 2026): 3.64%
- Return on assets (Q2 2026): -2.08%
- Loan-to-share ratio (Q2 2026): 44.84%
American Nickeloid Community Credit Union (NCUA charter 60184, established 1955) reported $10.2M in assets and 1,458 members for Q2 2026 from La Salle, Illinois. It ranks 118 of 185 credit unions in Illinois by total assets. Total assets fell 7.5% from $11.1M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 5.01% for Q1 2026; 7.67% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 5.58% for Q1 2026; 5.98% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.88% for Q1 2026; -0.90% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 46.11% for Q1 2026; 46.77% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.0M
- New vehicle loans: $1.2M
- 1- to 4-family residential and other consumer real estate loans: $458K
- Other unsecured loans and lines of credit: $278K
- Unsecured credit card loans: $259K
- Other secured non-real estate loans and lines of credit: $101K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.2M | 4.80% | 3.64% | -2.08% | 44.84% |
| March 31, 2026 | $10.9M | 5.01% | 5.58% | -1.88% | 46.11% |
| December 31, 2025 | $12.1M | 4.92% | 4.73% | -4.08% | 43.49% |
| September 30, 2025 | $11.2M | 7.42% | 4.05% | -0.35% | 46.62% |
| June 30, 2025 | $11.1M | 7.67% | 5.98% | -0.90% | 46.77% |
| March 31, 2025 | $11.1M | 7.85% | 5.28% | 1.55% | 47.21% |
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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.
American Nickeloid Community Credit Union profile
Regulator records: NCUA credit union profile (charter 60184) · FFIEC NIC profile (RSSD 305095)
Frequently asked questions
Is American Nickeloid Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, American Nickeloid Community Credit Union's net worth ratio is 4.80%, below the 6% NCUA level for adequately capitalized.
Is American Nickeloid Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. American Nickeloid Community Credit Union is a federally insured credit union (NCUA charter 60184): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are American Nickeloid Community Credit Union's key safety ratios?
For Q2 2026, American Nickeloid Community Credit Union reports net worth 4.80%, delinquency 3.64%, ROA -2.08%, loan-to-share 44.84%.
What happens to my money if American Nickeloid Community Credit Union fails?
For Q2 2026, American Nickeloid Community Credit Union held $9.7M in shares and deposits for 1,458 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.