Consumers Credit Union Lake Forest, Illinois
Consumers Credit Union is a state-chartered credit union headquartered in Lake Forest, IL, established in 1970 (NCUA charter 68588), and it is regulated and insured by the NCUA. At Q2 2026 it reported 287,338 members and total assets of $4.64B (up 7.9% from Q2 2025), the 5th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 8.96% at Q2 2026, in the well capitalized band.
Also written as Consumers 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
- 68588
- Headquarters
- Lake Forest, IL
- Established
- 1970
- Total assets, Q2 2026
- $4.64B
- Assets vs Q2 2025
- +7.9%
- Members, Q2 2026
- 287,338
- Net worth ratio, Q2 2026
- 8.96%
- Latest call report
- Q2 2026, NCUA 5300 · Consumers Credit Union call report
- Asset rank in state
- 5th of 185 in Illinois
- Routing number
- 271989950
- Branches
- 25
It has 16,827 more members than on June 30, 2025 (+6.2%). Its net worth ratio was down 0.44 percentage points from 9.40% on June 30, 2025. Used vehicle loans are its largest loan category, $1.29B of $3.19B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 8.96% net worth ratio is below that band's 10.89% median.
Credit unions merged into Consumers Credit Union
Kane County Teachers Credit Union (2024) · Rockford Bell Credit Union (2024) · Andigo Credit Union (2020) · Waukegan Municipal Employees Credit Union (2019) · Meadows Credit Union (2017) · Encore Federal Credit Union (2017) · Premier Credit Union (2015)
Frequently asked about Consumers Credit Union
How big is Consumers Credit Union?
At Q2 2026 it reported total assets of $4.64B and 287,338 members.
Where is Consumers Credit Union headquartered?
It is headquartered in Lake Forest, IL, United States.
When was Consumers Credit Union founded?
It was established in 1970, per NCUA records.
Is Consumers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68588): 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 Consumers 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 Consumers Credit Union well capitalized?
Its net worth ratio was 8.96% 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 Consumers Credit Union's delinquency ratio?
Its delinquency ratio was 0.86% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Consumers Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 86.37% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lake Forest, IL 60045
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1970
- NCUA Charter #
- 68588
- RSSD ID
- 271396
- Members
- 287,338
- Potential members
- 3,339,019
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 8.96% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.27% | 0.89% | 76th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 14.54% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.40% | 3.45% | 47th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 64.03% | 70.59% | 72nd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.32% | 1.68% | 12th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.86% | 0.68% | 38th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.72% | 5.12% | 86th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 86.37% | 88.03% | 46th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.64B total assets against $4.30B; $3.70B total shares and deposits against $3.45B; $3.19B total loans against $2.95B.
$405.7M net worth against $378.1M.
8.96% net worth ratio against 9.40%.
86.37% loan-to-share ratio against 85.58%.
0.86% delinquency ratio against 0.86%.
1.27% return on assets against 0.77%; 14.54% return on equity against 8.74%.
3.40% net interest margin against 3.41%.
287,338 members against 270,511.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.96% | 1.27% | 0.86% | 86.37% |
| March 31, 2026 | 8.80% | 0.23% | 0.91% | 85.36% |
| December 31, 2025 | 8.93% | 0.63% | 0.93% | 87.81% |
| September 30, 2025 | 9.01% | 0.68% | 0.90% | 87.19% |
| June 30, 2025 | 9.40% | 0.77% | 0.86% | 85.58% |
| March 31, 2025 | 9.66% | 0.48% | 0.95% | 81.75% |
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.