Credit Union Safety Analysis
Is Consumers Credit Union Safe? Lake Forest, Illinois
Based on its Q2 2026 NCUA 5300 call report, Consumers Credit Union has a net worth ratio of 8.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, 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, Consumers Credit Union's net worth ratio is 8.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.96%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): 1.27%
- Loan-to-share ratio (Q2 2026): 86.37%
Consumers Credit Union (NCUA charter 68588, established 1970) reported $4.64B in assets and 287,338 members for Q2 2026 from Lake Forest, Illinois. It ranks 5 of 185 credit unions in Illinois by total assets. Total assets grew 7.9% from $4.30B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.80% for Q1 2026; 9.40% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.91% for Q1 2026; 0.86% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.23% for Q1 2026; 0.77% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 85.36% for Q1 2026; 85.58% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.29B
- 1- to 4-family residential and other consumer real estate loans: $1.04B
- Commercial loans: $336.9M
- New vehicle loans: $332.3M
- Unsecured credit card loans: $111.7M
- Other unsecured loans and lines of credit: $47.8M
- Other secured non-real estate loans and lines of credit: $33.4M
- Non-federally guaranteed student loans: $3.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.64B | 8.96% | 0.86% | 1.27% | 86.37% |
| March 31, 2026 | $4.57B | 8.80% | 0.91% | 0.23% | 85.36% |
| December 31, 2025 | $4.50B | 8.93% | 0.93% | 0.63% | 87.81% |
| September 30, 2025 | $4.39B | 9.01% | 0.90% | 0.68% | 87.19% |
| June 30, 2025 | $4.30B | 9.40% | 0.86% | 0.77% | 85.58% |
| March 31, 2025 | $4.19B | 9.66% | 0.95% | 0.48% | 81.75% |
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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.
Consumers Credit Union profile
Regulator records: NCUA credit union profile (charter 68588) · FFIEC NIC profile (RSSD 271396)
Frequently asked questions
Is Consumers Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Consumers Credit Union's net worth ratio is 8.96%, above the 7% NCUA threshold for well capitalized.
Is Consumers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Consumers Credit Union is a federally insured credit union (NCUA charter 68588): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Consumers Credit Union's key safety ratios?
For Q2 2026, Consumers Credit Union reports net worth 8.96%, delinquency 0.86%, ROA 1.27%, loan-to-share 86.37%.
What happens to my money if Consumers Credit Union fails?
For Q2 2026, Consumers Credit Union held $3.70B in shares and deposits for 287,338 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.