Credit Union Safety Analysis
Is Community Federal Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Community Federal Credit Union has a net worth ratio of 24.99%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Community Federal Credit Union's net worth ratio is 24.99%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.99%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -0.38%
- Loan-to-share ratio (Q2 2026): 12.49%
Community Federal Credit Union (NCUA charter 7256, established 1951) reported $116K in assets and 154 members for Q2 2026 from Chicago, Illinois. It ranks 183 of 185 credit unions in Illinois by total assets. Total assets fell 7.6% from $125K on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was up 1.74 percentage points from 23.25% on June 30, 2025. Used vehicle loans are its largest loan category, $9K of $11K in total loans on its June 30, 2026 filing.
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: 25.49% for Q1 2026; 23.25% 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%.
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: -3.33% for Q1 2026; -5.49% 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: 14.00% for Q1 2026; 20.59% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $9K
- Other unsecured loans and lines of credit: $2K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $116K | 24.99% | — | -0.38% | 12.49% |
| March 31, 2026 | $116K | 25.49% | — | -3.33% | 14.00% |
| December 31, 2025 | $119K | 25.77% | — | -4.87% | 15.17% |
| September 30, 2025 | $119K | 24.56% | — | 2.57% | 23.47% |
| June 30, 2025 | $125K | 23.25% | — | -5.49% | 20.59% |
| March 31, 2025 | $125K | 25.99% | — | -2.74% | 24.40% |
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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.
Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7256) · FFIEC NIC profile (RSSD 481980)
Frequently asked questions
Is Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Community Federal Credit Union's net worth ratio is 24.99%, above the 7% NCUA threshold for well capitalized.
Is Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Community Federal Credit Union is a federally insured credit union (NCUA charter 7256): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Community Federal Credit Union's key safety ratios?
For Q2 2026, Community Federal Credit Union reports net worth 24.99%, delinquency not reported, ROA -0.38%, loan-to-share 12.49%.
What happens to my money if Community Federal Credit Union fails?
For Q2 2026, Community Federal Credit Union held $87K in shares and deposits for 154 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.