Carbondale Highway Credit Union Carbondale, Illinois
Carbondale Highway Credit Union is a state-chartered credit union headquartered in Carbondale, IL, established in 1951 (NCUA charter 65427), and it is regulated and insured by the NCUA. At Q2 2026 it reported 677 members and total assets of $5.6M (down 5.3% from Q2 2025), the 135th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 15.59% at Q2 2026, in the well capitalized band.
Also written as Carbondale Highway 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
- 65427
- Headquarters
- Carbondale, IL
- Established
- 1951
- Total assets, Q2 2026
- $5.6M
- Assets vs Q2 2025
- -5.3%
- Members, Q2 2026
- 677
- Net worth ratio, Q2 2026
- 15.59%
- Latest call report
- Q2 2026, NCUA 5300 · Carbondale Highway Credit Union call report
- Asset rank in state
- 135th of 185 in Illinois
- Routing number
- 281276378
- Branches
- 1
It has 21 fewer members than on June 30, 2025 (-3.0%). Its net worth ratio was up 1.26 percentage points from 14.33% on June 30, 2025. Used vehicle loans are its largest loan category, $1.5M of $2.7M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Illinois
Frequently asked about Carbondale Highway Credit Union
How big is Carbondale Highway Credit Union?
At Q2 2026 it reported total assets of $5.6M and 677 members.
Where is Carbondale Highway Credit Union headquartered?
It is headquartered in Carbondale, IL, United States.
When was Carbondale Highway Credit Union founded?
It was established in 1951, per NCUA records.
Is Carbondale Highway Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65427): 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 Carbondale Highway 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 Carbondale Highway Credit Union well capitalized?
Its net worth ratio was 15.59% 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 Carbondale Highway Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 56.41% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Carbondale, IL 62901
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 65427
- RSSD ID
- 566597
- Members
- 677
- Potential members
- 3,000
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 1 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.59% | 14.31% | 56th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.00% | 0.72% | 62nd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.41% | 4.74% | 61st above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.25% | 3.93% | 63rd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 76.75% | 79.83% | 57th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.03% | 0.78% | over 90th top |
| 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% | 4.29% | 4.70% | 29th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 56.41% | 58.92% | 46th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.6M total assets against $5.9M; $4.7M total shares and deposits against $5.1M; $2.7M total loans against $2.8M.
$876K net worth against $851K.
15.59% net worth ratio against 14.33%.
56.41% loan-to-share ratio against 54.96%.
1.00% return on assets against 0.24%; 6.41% return on equity against 1.70%.
4.25% net interest margin against 4.70%.
677 members against 698.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.59% | 1.00% | — | 56.41% |
| March 31, 2026 | 14.99% | 0.52% | 0.30% | 54.98% |
| December 31, 2025 | 15.27% | -0.02% | 0.04% | 54.17% |
| September 30, 2025 | 15.39% | 0.30% | — | 57.28% |
| June 30, 2025 | 14.33% | 0.24% | — | 54.96% |
| March 31, 2025 | 14.05% | 0.46% | — | 52.58% |
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.