Credit Union Safety Analysis
Is Bloomington Municipal Employees Credit Union Safe? Bloomington, Illinois
Based on its Q2 2026 NCUA 5300 call report, Bloomington Municipal Employees Credit Union has a net worth ratio of 13.50%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.10%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Bloomington Municipal Employees Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Bloomington Municipal Employees Credit Union's net worth ratio is 13.50%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.50%
- Delinquency ratio (60+ days) (Q2 2026): 0.10%
- Return on assets (Q2 2026): 0.94%
- Loan-to-share ratio (Q2 2026): 33.71%
Bloomington Municipal Employees Credit Union (NCUA charter 63103, established 1953) reported $45.7M in assets and 2,250 members for Q2 2026 from Bloomington, Illinois. It ranks 72 of 185 credit unions in Illinois by total assets. Total assets grew 8.8% from $42.0M on June 30, 2025. It has 21 fewer members than on June 30, 2025 (-0.9%). Its net worth ratio was up 0.03 percentage points from 13.47% on June 30, 2025. Used vehicle loans are its largest loan category, $6.5M of $13.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.10% is below 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: 13.52% for Q1 2026; 13.47% 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: 0.04% for Q1 2026; 0.06% 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: 1.12% for Q1 2026; 1.34% 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: 33.47% for Q1 2026; 34.38% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $6.5M
- New vehicle loans: $4.7M
- Other unsecured loans and lines of credit: $1.2M
- Other secured non-real estate loans and lines of credit: $633K
- Unsecured credit card loans: $301K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $45.7M | 13.50% | 0.10% | 0.94% | 33.71% |
| March 31, 2026 | $44.9M | 13.52% | 0.04% | 1.12% | 33.47% |
| December 31, 2025 | $44.1M | 13.48% | 0.15% | 1.10% | 34.21% |
| September 30, 2025 | $42.8M | 13.59% | 0.05% | 1.46% | 35.36% |
| June 30, 2025 | $42.0M | 13.47% | 0.06% | 1.34% | 34.38% |
| March 31, 2025 | $40.8M | 13.52% | 0.05% | 1.37% | 32.93% |
Add this badge to your website
Free to use. It shows Bloomington Municipal Employees Credit Union’s latest filed figures and updates each quarter.
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.
Bloomington Municipal Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 63103) · FFIEC NIC profile (RSSD 595298)
Frequently asked questions
Is Bloomington Municipal Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Bloomington Municipal Employees Credit Union's net worth ratio is 13.50%, above the 7% NCUA threshold for well capitalized.
Is Bloomington Municipal Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Bloomington Municipal Employees Credit Union is a federally insured credit union (NCUA charter 63103): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Bloomington Municipal Employees Credit Union's key safety ratios?
For Q2 2026, Bloomington Municipal Employees Credit Union reports net worth 13.50%, delinquency 0.10%, ROA 0.94%, loan-to-share 33.71%.
What happens to my money if Bloomington Municipal Employees Credit Union fails?
For Q2 2026, Bloomington Municipal Employees Credit Union held $39.5M in shares and deposits for 2,250 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.