Credit Union Safety Analysis
Is Berean Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Berean Credit Union has a net worth ratio of 18.55%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Berean Credit Union's net worth ratio is 18.55%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.55%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 4.33%
Berean Credit Union (NCUA charter 66089, established 1955) reported $190K in assets and 149 members for Q2 2026 from Chicago, Illinois. It ranks 182 of 185 credit unions in Illinois by total assets. Total assets fell 10.0% from $211K on June 30, 2025. 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.
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: 18.56% for Q1 2026; 16.80% 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%.
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: -3.59% for Q1 2026; -1.92% 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: 4.60% for Q1 2026; 3.24% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $7K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $190K | 18.55% | — | 0.50% | 4.33% |
| March 31, 2026 | $189K | 18.56% | — | -3.59% | 4.60% |
| December 31, 2025 | $191K | 19.24% | — | 2.22% | 6.14% |
| September 30, 2025 | $185K | 19.28% | — | 0.45% | 5.48% |
| June 30, 2025 | $211K | 16.80% | — | -1.92% | 3.24% |
| March 31, 2025 | $214K | 17.08% | 2.92% | 9.56% | 5.31% |
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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.
Regulator records: NCUA credit union profile (charter 66089) · FFIEC NIC profile (RSSD 165691)
Frequently asked questions
Is Berean Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Berean Credit Union's net worth ratio is 18.55%, above the 7% NCUA threshold for well capitalized.
Is Berean Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Berean Credit Union is a federally insured credit union (NCUA charter 66089): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Berean Credit Union's key safety ratios?
For Q2 2026, Berean Credit Union reports net worth 18.55%, delinquency not reported, ROA 0.50%, loan-to-share 4.33%.
What happens to my money if Berean Credit Union fails?
For Q2 2026, Berean Credit Union held $154K in shares and deposits for 149 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.