Credit Union Safety Analysis
Is Cooperative Choice Network Credit Union Safe? Peoria, Illinois
Based on its Q2 2026 NCUA 5300 call report, Cooperative Choice Network Credit Union has a net worth ratio of 12.72%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.37%, 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, Cooperative Choice Network Credit Union's net worth ratio is 12.72%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.72%
- Delinquency ratio (60+ days) (Q2 2026): 0.37%
- Return on assets (Q2 2026): 0.36%
- Loan-to-share ratio (Q2 2026): 60.97%
Cooperative Choice Network Credit Union (NCUA charter 63783, established 1935) reported $205.9M in assets and 12,369 members for Q2 2026 from Peoria, Illinois. It ranks 40 of 185 credit unions in Illinois by total assets. Total assets grew 1.9% from $202.0M on June 30, 2025. It has 187 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was up 0.15 percentage points from 12.57% on June 30, 2025. Used vehicle loans are its largest loan category, $45.7M of $109.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.37% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.55% for Q1 2026; 12.57% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.31% for Q1 2026; 0.43% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.30% for Q1 2026; 0.31% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 60.78% for Q1 2026; 62.61% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $45.7M
- New vehicle loans: $24.8M
- 1- to 4-family residential and other consumer real estate loans: $17.9M
- Other unsecured loans and lines of credit: $8.9M
- Other secured non-real estate loans and lines of credit: $5.6M
- Unsecured credit card loans: $4.8M
- Commercial loans: $2.1M
- Non-federally guaranteed student loans: $26K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $205.9M | 12.72% | 0.37% | 0.36% | 60.97% |
| March 31, 2026 | $207.2M | 12.55% | 0.31% | 0.30% | 60.78% |
| December 31, 2025 | $201.7M | 12.81% | 0.40% | 0.39% | 63.57% |
| September 30, 2025 | $198.8M | 12.93% | 0.41% | 0.61% | 64.70% |
| June 30, 2025 | $202.0M | 12.57% | 0.43% | 0.31% | 62.61% |
| March 31, 2025 | $204.3M | 12.35% | 0.38% | 0.18% | 60.67% |
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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.
Cooperative Choice Network Credit Union profile
Regulator records: NCUA credit union profile (charter 63783) · FFIEC NIC profile (RSSD 716691)
Frequently asked questions
Is Cooperative Choice Network Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cooperative Choice Network Credit Union's net worth ratio is 12.72%, above the 7% NCUA threshold for well capitalized.
Is Cooperative Choice Network Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cooperative Choice Network Credit Union is a federally insured credit union (NCUA charter 63783): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cooperative Choice Network Credit Union's key safety ratios?
For Q2 2026, Cooperative Choice Network Credit Union reports net worth 12.72%, delinquency 0.37%, ROA 0.36%, loan-to-share 60.97%.
What happens to my money if Cooperative Choice Network Credit Union fails?
For Q2 2026, Cooperative Choice Network Credit Union held $180.3M in shares and deposits for 12,369 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.