Credit Union Safety Analysis
Is Bethel A M E Church Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Bethel A M E Church Credit Union has a net worth ratio of 16.64%, 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, Bethel A M E Church Credit Union's net worth ratio is 16.64%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.64%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -5.44%
- Loan-to-share ratio (Q2 2026): not reported
Bethel A M E Church Credit Union (NCUA charter 65680, established 1974) reported $50K in assets and 88 members for Q2 2026 from Chicago, Illinois. It ranks 185 of 185 credit unions in Illinois by total assets. Total assets fell 6.0% from $54K on June 30, 2025. It has 1 fewer member than on June 30, 2025 (-1.1%). Its net worth ratio was down 0.05 percentage points from 16.69% on June 30, 2025.
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: 17.65% for Q1 2026; 16.69% 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: -1.34% for Q1 2026; -3.15% 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%.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $50K | 16.64% | — | -5.44% | — |
| March 31, 2026 | $51K | 17.65% | — | -1.34% | — |
| December 31, 2025 | $53K | 16.81% | — | 0.49% | — |
| September 30, 2025 | $53K | 16.68% | — | -0.75% | — |
| June 30, 2025 | $54K | 16.69% | — | -3.15% | — |
| March 31, 2025 | $54K | 17.23% | — | -1.87% | — |
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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.
Bethel A M E Church Credit Union profile
Regulator records: NCUA credit union profile (charter 65680) · FFIEC NIC profile (RSSD 369499)
Frequently asked questions
Is Bethel A M E Church Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Bethel A M E Church Credit Union's net worth ratio is 16.64%, above the 7% NCUA threshold for well capitalized.
Is Bethel A M E Church Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Bethel A M E Church Credit Union is a federally insured credit union (NCUA charter 65680): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Bethel A M E Church Credit Union's key safety ratios?
For Q2 2026, Bethel A M E Church Credit Union reports net worth 16.64%, delinquency not reported, ROA -5.44%, loan-to-share not reported.
What happens to my money if Bethel A M E Church Credit Union fails?
For Q2 2026, Bethel A M E Church Credit Union held $42K in shares and deposits for 88 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.