Credit Union Safety Analysis
Is Burlington Northern Santa Fe Railway Credit Union Safe? Cicero, Illinois
Based on its Q2 2026 NCUA 5300 call report, Burlington Northern Santa Fe Railway Credit Union has a net worth ratio of 19.25%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.69%, 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, Burlington Northern Santa Fe Railway Credit Union's net worth ratio is 19.25%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.25%
- Delinquency ratio (60+ days) (Q2 2026): 2.69%
- Return on assets (Q2 2026): 0.37%
- Loan-to-share ratio (Q2 2026): 44.16%
Burlington Northern Santa Fe Railway Credit Union (NCUA charter 68180, established 1979) reported $8.2M in assets and 1,641 members for Q2 2026 from Cicero, Illinois. It ranks 125 of 185 credit unions in Illinois by total assets. Total assets fell 1.7% from $8.3M on June 30, 2025. It has 60 fewer members than on June 30, 2025 (-3.5%). Its net worth ratio was down 0.44 percentage points from 19.69% on June 30, 2025. New vehicle loans are its largest loan category, $994K of $2.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.69% 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: 17.55% for Q1 2026; 19.69% 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%.
Earlier filings: 5.13% for Q1 2026; 4.02% 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: -0.48% for Q1 2026; 1.05% 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: 47.02% for Q1 2026; 48.41% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $994K
- Used vehicle loans: $793K
- Other unsecured loans and lines of credit: $727K
- Unsecured credit card loans: $369K
- Other secured non-real estate loans and lines of credit: $37K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.2M | 19.25% | 2.69% | 0.37% | 44.16% |
| March 31, 2026 | $8.1M | 17.55% | 5.13% | -0.48% | 47.02% |
| December 31, 2025 | $7.9M | 20.86% | 6.25% | 2.23% | 49.76% |
| September 30, 2025 | $8.3M | 19.72% | 4.98% | 0.80% | 47.47% |
| June 30, 2025 | $8.3M | 19.69% | 4.02% | 1.05% | 48.41% |
| March 31, 2025 | $8.4M | 19.58% | 3.12% | 0.84% | 47.39% |
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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.
Burlington Northern Santa Fe Railway Credit Union profile
Regulator records: NCUA credit union profile (charter 68180) · FFIEC NIC profile (RSSD 357991)
Frequently asked questions
Is Burlington Northern Santa Fe Railway Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Burlington Northern Santa Fe Railway Credit Union's net worth ratio is 19.25%, above the 7% NCUA threshold for well capitalized.
Is Burlington Northern Santa Fe Railway Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Burlington Northern Santa Fe Railway Credit Union is a federally insured credit union (NCUA charter 68180): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Burlington Northern Santa Fe Railway Credit Union's key safety ratios?
For Q2 2026, Burlington Northern Santa Fe Railway Credit Union reports net worth 19.25%, delinquency 2.69%, ROA 0.37%, loan-to-share 44.16%.
What happens to my money if Burlington Northern Santa Fe Railway Credit Union fails?
For Q2 2026, Burlington Northern Santa Fe Railway Credit Union held $6.6M in shares and deposits for 1,641 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.