Berean Credit Union Chicago, Illinois
Berean Credit Union is a state-chartered credit union headquartered in Chicago, IL, established in 1955 (NCUA charter 66089), and it is regulated and insured by the NCUA. At Q2 2026 it reported 149 members and total assets of $190K (down 10.0% from Q2 2025), the 182nd largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 18.55% at Q2 2026, in the well capitalized band.
Also written as Berean 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
- 66089
- Headquarters
- Chicago, IL
- Established
- 1955
- Total assets, Q2 2026
- $190K
- Assets vs Q2 2025
- -10.0%
- Members, Q2 2026
- 149
- Net worth ratio, Q2 2026
- 18.55%
- Latest call report
- Q2 2026, NCUA 5300 · Berean Credit Union call report
- Asset rank in state
- 182nd of 185 in Illinois
- Routing number
- 271077480
- Branches
- 1
It has 112 fewer members than on June 30, 2025 (-42.9%). Its net worth ratio was up 1.75 percentage points from 16.80% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $7K of $7K in total loans on its June 30, 2026 filing.
Frequently asked about Berean Credit Union
How big is Berean Credit Union?
At Q2 2026 it reported total assets of $190K and 149 members.
Where is Berean Credit Union headquartered?
It is headquartered in Chicago, IL, United States.
When was Berean Credit Union founded?
It was established in 1955, per NCUA records.
Is Berean Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66089): 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 Berean 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 Berean Credit Union well capitalized?
Its net worth ratio was 18.55% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Berean Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 4.33% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Chicago, IL 60609
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 66089
- RSSD ID
- 165691
- Members
- 149
- Potential members
- 500
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 3 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.55% | 14.31% | 71st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.50% | 0.72% | 40th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.70% | 4.74% | 36th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 1.47% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 4.33% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$190K total assets against $211K; $154K total shares and deposits against $161K; $7K total loans against $5K.
$35K net worth against $35K.
18.55% net worth ratio against 16.80%.
4.33% loan-to-share ratio against 3.24%.
0.50% return on assets against -1.92%; 2.70% return on equity against -11.43%.
149 members against 261.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.55% | 0.50% | — | 4.33% |
| March 31, 2026 | 18.56% | -3.59% | — | 4.60% |
| December 31, 2025 | 19.24% | 2.22% | — | 6.14% |
| September 30, 2025 | 19.28% | 0.45% | — | 5.48% |
| June 30, 2025 | 16.80% | -1.92% | — | 3.24% |
| March 31, 2025 | 17.08% | 9.56% | 2.92% | 5.31% |
Scroll sideways to see every column.
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.