Credit Union Safety Analysis
Is Credit Union 1 Safe? Rantoul, Illinois
Based on its Q2 2026 NCUA 5300 call report, Credit Union 1 has a net worth ratio of 10.91%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.35%, 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, Credit Union 1's net worth ratio is 10.91%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.91%
- Delinquency ratio (60+ days) (Q2 2026): 1.35%
- Return on assets (Q2 2026): 0.84%
- Loan-to-share ratio (Q2 2026): 80.14%
Credit Union 1 (NCUA charter 68727, established 1958) reported $2.87B in assets and 172,066 members for Q2 2026 from Rantoul, Illinois. It ranks 6 of 185 credit unions in Illinois by total assets. Total assets grew 47.4% from $1.95B on June 30, 2025. It has 50,595 more members than on June 30, 2025 (+41.7%). Its net worth ratio was up 1.16 percentage points from 9.75% on June 30, 2025. Commercial loans are its largest loan category, $844.6M of $1.93B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.35% 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: 10.88% for Q1 2026; 9.75% 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: 1.15% for Q1 2026; 1.33% 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: 2.48% for Q1 2026; 0.25% 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: 85.68% for Q1 2026; 80.90% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $844.6M
- Used vehicle loans: $498.3M
- 1- to 4-family residential and other consumer real estate loans: $435.7M
- Other secured non-real estate loans and lines of credit: $67.4M
- New vehicle loans: $42.8M
- Other unsecured loans and lines of credit: $26.5M
- Non-federally guaranteed student loans: $11.0M
- Unsecured credit card loans: $7.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.87B | 10.91% | 1.35% | 0.84% | 80.14% |
| March 31, 2026 | $2.64B | 10.88% | 1.15% | 2.48% | 85.68% |
| December 31, 2025 | $2.34B | 10.65% | 1.29% | 0.27% | 86.36% |
| September 30, 2025 | $2.29B | 11.04% | 1.10% | 0.37% | 84.23% |
| June 30, 2025 | $1.95B | 9.75% | 1.33% | 0.25% | 80.90% |
| March 31, 2025 | $1.91B | 10.06% | 1.23% | 0.26% | 79.51% |
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Free to use. It shows Credit Union 1’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 68727) · FFIEC NIC profile (RSSD 430791)
Frequently asked questions
Is Credit Union 1 well capitalized?
On its Q2 2026 NCUA 5300 call report, Credit Union 1's net worth ratio is 10.91%, above the 7% NCUA threshold for well capitalized.
Is Credit Union 1 FDIC insured?
No. The FDIC insures banks, not credit unions. Credit Union 1 is a federally insured credit union (NCUA charter 68727): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Credit Union 1's key safety ratios?
For Q2 2026, Credit Union 1 reports net worth 10.91%, delinquency 1.35%, ROA 0.84%, loan-to-share 80.14%.
What happens to my money if Credit Union 1 fails?
For Q2 2026, Credit Union 1 held $2.41B in shares and deposits for 172,066 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.