Central Illinois Credit Union Champaign, Illinois
Central Illinois Credit Union is a state-chartered credit union headquartered in Champaign, IL, established in 1948 (NCUA charter 65186), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,566 members and total assets of $26.1M (up 1.4% from Q2 2025), the 91st largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 12.26% at Q2 2026, in the well capitalized band.
Also written as Central Illinois 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
- 65186
- Headquarters
- Champaign, IL
- Established
- 1948
- Total assets, Q2 2026
- $26.1M
- Assets vs Q2 2025
- +1.4%
- Members, Q2 2026
- 3,566
- Net worth ratio, Q2 2026
- 12.26%
- Latest call report
- Q2 2026, NCUA 5300 · Central Illinois Credit Union call report
- Asset rank in state
- 91st of 185 in Illinois
- Routing number
- 271176828
- Branches
- 2
It has 65 more members than on June 30, 2025 (+1.9%). Its net worth ratio was down 0.11 percentage points from 12.37% on June 30, 2025. Used vehicle loans are its largest loan category, $7.4M of $11.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.85% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.26% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Illinois
Frequently asked about Central Illinois Credit Union
How big is Central Illinois Credit Union?
At Q2 2026 it reported total assets of $26.1M and 3,566 members.
Where is Central Illinois Credit Union headquartered?
It is headquartered in Champaign, IL, United States.
When was Central Illinois Credit Union founded?
It was established in 1948, per NCUA records.
Is Central Illinois Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65186): 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 Illinois 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 Central Illinois Credit Union well capitalized?
Its net worth ratio was 12.26% 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 Illinois Credit Union's delinquency ratio?
Its delinquency ratio was 1.85% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Central Illinois Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 49.50% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Champaign, IL 61821
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 65186
- RSSD ID
- 535490
- Members
- 3,566
- Potential members
- 20,000
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 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.26% | 14.31% | 34th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.54% | 0.72% | 81st top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 12.58% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.61% | 3.93% | 77th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 75.12% | 79.83% | 60th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.09% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.85% | 0.86% | 27th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.70% | 4.70% | 50th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 49.50% | 58.92% | 36th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$26.1M total assets against $25.7M; $22.8M total shares and deposits against $22.4M; $11.3M total loans against $11.6M.
$3.2M net worth against $3.2M.
12.26% net worth ratio against 12.37%.
49.50% loan-to-share ratio against 51.76%.
1.85% delinquency ratio against 2.74%.
1.54% return on assets against -0.80%; 12.58% return on equity against -6.46%.
4.61% net interest margin against 3.82%.
3,566 members against 3,501.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.26% | 1.54% | 1.85% | 49.50% |
| March 31, 2026 | 12.04% | 0.98% | 1.67% | 52.12% |
| December 31, 2025 | 13.25% | 1.54% | 2.09% | 56.17% |
| September 30, 2025 | 12.41% | 0.77% | 2.30% | 54.36% |
| June 30, 2025 | 12.37% | -0.80% | 2.74% | 51.76% |
| March 31, 2025 | 11.45% | 0.79% | 4.70% | 46.33% |
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.