Credit Union Safety Analysis
Is Clifford-Jacobs Employees Credit Union Safe? Champaign, Illinois
Based on its Q2 2026 NCUA 5300 call report, Clifford-Jacobs Employees Credit Union has a net worth ratio of 55.54%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.16%, 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, Clifford-Jacobs Employees Credit Union's net worth ratio is 55.54%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 55.54%
- Delinquency ratio (60+ days) (Q2 2026): 0.16%
- Return on assets (Q2 2026): 1.44%
- Loan-to-share ratio (Q2 2026): 140.41%
Clifford-Jacobs Employees Credit Union (NCUA charter 60627, established 1956) reported $1.2M in assets and 159 members for Q2 2026 from Champaign, Illinois. It ranks 164 of 185 credit unions in Illinois by total assets. Total assets fell 4.4% from $1.2M on June 30, 2025. It has 15 fewer members than on June 30, 2025 (-8.6%). Its net worth ratio was up 2.92 percentage points from 52.62% on June 30, 2025. Used vehicle loans are its largest loan category, $387K of $729K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.16% 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: 55.39% for Q1 2026; 52.62% 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: 3.42% for Q1 2026 .
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: 1.29% for Q1 2026; 2.19% 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: 118.55% for Q1 2026; 118.76% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $387K
- New vehicle loans: $243K
- Other unsecured loans and lines of credit: $62K
- Other secured non-real estate loans and lines of credit: $36K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.2M | 55.54% | 0.16% | 1.44% | 140.41% |
| March 31, 2026 | $1.2M | 55.39% | 3.42% | 1.29% | 118.55% |
| December 31, 2025 | $1.1M | 57.13% | — | 1.73% | 143.10% |
| September 30, 2025 | $1.1M | 56.37% | — | -2.37% | 150.68% |
| June 30, 2025 | $1.2M | 52.62% | — | 2.19% | 118.76% |
| March 31, 2025 | $1.2M | 52.85% | 0.06% | 2.28% | 124.11% |
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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.
Clifford-Jacobs Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 60627) · FFIEC NIC profile (RSSD 494690)
Frequently asked questions
Is Clifford-Jacobs Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Clifford-Jacobs Employees Credit Union's net worth ratio is 55.54%, above the 7% NCUA threshold for well capitalized.
Is Clifford-Jacobs Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Clifford-Jacobs Employees Credit Union is a federally insured credit union (NCUA charter 60627): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Clifford-Jacobs Employees Credit Union's key safety ratios?
For Q2 2026, Clifford-Jacobs Employees Credit Union reports net worth 55.54%, delinquency 0.16%, ROA 1.44%, loan-to-share 140.41%.
What happens to my money if Clifford-Jacobs Employees Credit Union fails?
For Q2 2026, Clifford-Jacobs Employees Credit Union held $519K in shares and deposits for 159 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.