Central Credit Union of Illinois Bellwood, Illinois
Central Credit Union of Illinois is a state-chartered credit union headquartered in Bellwood, IL, established in 1936 (NCUA charter 60852), and it is regulated and insured by the NCUA. At Q2 2026 it reported 10,172 members and total assets of $122.7M (down 0.4% from Q2 2025), the 48th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 14.28% at Q2 2026, in the well capitalized band.
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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
- 60852
- Headquarters
- Bellwood, IL
- Established
- 1936
- Total assets, Q2 2026
- $122.7M
- Assets vs Q2 2025
- -0.4%
- Members, Q2 2026
- 10,172
- Net worth ratio, Q2 2026
- 14.28%
- Latest call report
- Q2 2026, NCUA 5300 · Central Credit Union of Illinois call report
- Asset rank in state
- 48th of 185 in Illinois
- Routing number
- 271987143
- Branches
- 2
It has 543 fewer members than on June 30, 2025 (-5.1%). Its net worth ratio was up 0.75 percentage points from 13.53% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $28.6M of $70.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.19% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.28% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Illinois
Frequently asked about Central Credit Union of Illinois
How big is Central Credit Union of Illinois?
At Q2 2026 it reported total assets of $122.7M and 10,172 members.
Where is Central Credit Union of Illinois headquartered?
It is headquartered in Bellwood, IL, United States.
When was Central Credit Union of Illinois founded?
It was established in 1936, per NCUA records.
Is Central Credit Union of Illinois FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60852): 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 Central Credit Union of Illinois?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Central Credit Union of Illinois well capitalized?
Its net worth ratio was 14.28% 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 Central Credit Union of Illinois's delinquency ratio?
Its delinquency ratio was 1.19% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Central Credit Union of Illinois's loan-to-share ratio?
Its loan-to-share ratio was 67.82% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bellwood, IL 60104
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 60852
- RSSD ID
- 322092
- Members
- 10,172
- Potential members
- 100,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.28% | 11.43% | 79th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.74% | 0.81% | 45th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 5.16% | 7.02% | 35th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.63% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 81.06% | 76.55% | 34th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.46% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.19% | 0.68% | 23rd bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.09% | 4.92% | 59th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 67.82% | 75.66% | 36th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$122.7M total assets against $123.1M; $103.3M total shares and deposits against $104.6M; $70.0M total loans against $73.4M.
$17.5M net worth against $16.7M.
14.28% net worth ratio against 13.53%.
67.82% loan-to-share ratio against 70.21%.
1.19% delinquency ratio against 0.67%.
0.74% return on assets against 1.00%; 5.16% return on equity against 7.35%.
4.63% net interest margin against 4.66%.
10,172 members against 10,715.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.28% | 0.74% | 1.19% | 67.82% |
| March 31, 2026 | 14.02% | 0.51% | 1.24% | 66.58% |
| December 31, 2025 | 13.98% | 0.64% | 1.12% | 68.06% |
| September 30, 2025 | 13.80% | 0.92% | 0.89% | 69.13% |
| June 30, 2025 | 13.53% | 1.00% | 0.67% | 70.21% |
| March 31, 2025 | 13.31% | 0.85% | 0.57% | 71.12% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.