Credit Union Safety Analysis
Is Area Educational Credit Union Safe? Mattoon, Illinois
Based on its Q2 2026 NCUA 5300 call report, Area Educational Credit Union has a net worth ratio of 20.35%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.92%, 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, Area Educational Credit Union's net worth ratio is 20.35%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.35%
- Delinquency ratio (60+ days) (Q2 2026): 0.92%
- Return on assets (Q2 2026): 1.21%
- Loan-to-share ratio (Q2 2026): 45.67%
Area Educational Credit Union (NCUA charter 62500, established 1960) reported $33.7M in assets and 2,325 members for Q2 2026 from Mattoon, Illinois. It ranks 81 of 185 credit unions in Illinois by total assets. Total assets grew 5.2% from $32.1M on June 30, 2025. It has 11 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was down 0.37 percentage points from 20.72% on June 30, 2025. Used vehicle loans are its largest loan category, $7.0M of $12.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.92% 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: 20.41% for Q1 2026; 20.72% 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: 0.24% for Q1 2026; 0.51% 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: 1.50% for Q1 2026; 1.43% 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: 48.11% for Q1 2026; 53.03% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $7.0M
- New vehicle loans: $4.1M
- Other unsecured loans and lines of credit: $844K
- Other secured non-real estate loans and lines of credit: $267K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $33.7M | 20.35% | 0.92% | 1.21% | 45.67% |
| March 31, 2026 | $33.2M | 20.41% | 0.24% | 1.50% | 48.11% |
| December 31, 2025 | $31.9M | 20.82% | 0.54% | -1.46% | 51.26% |
| September 30, 2025 | $31.6M | 21.42% | 0.48% | 1.45% | 53.82% |
| June 30, 2025 | $32.1M | 20.72% | 0.51% | 1.43% | 53.03% |
| March 31, 2025 | $31.7M | 20.57% | 0.83% | 1.38% | 54.54% |
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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.
Area Educational Credit Union profile
Regulator records: NCUA credit union profile (charter 62500) · FFIEC NIC profile (RSSD 680596)
Frequently asked questions
Is Area Educational Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Area Educational Credit Union's net worth ratio is 20.35%, above the 7% NCUA threshold for well capitalized.
Is Area Educational Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Area Educational Credit Union is a federally insured credit union (NCUA charter 62500): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Area Educational Credit Union's key safety ratios?
For Q2 2026, Area Educational Credit Union reports net worth 20.35%, delinquency 0.92%, ROA 1.21%, loan-to-share 45.67%.
What happens to my money if Area Educational Credit Union fails?
For Q2 2026, Area Educational Credit Union held $26.8M in shares and deposits for 2,325 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.