Credit Union Safety Analysis
Is Dupage Credit Union Safe? Naperville, Illinois
Based on its Q2 2026 NCUA 5300 call report, Dupage Credit Union has a net worth ratio of 9.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.48%, 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, Dupage Credit Union's net worth ratio is 9.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.61%
- Delinquency ratio (60+ days) (Q2 2026): 0.48%
- Return on assets (Q2 2026): 0.52%
- Loan-to-share ratio (Q2 2026): 90.03%
Dupage Credit Union (NCUA charter 97084, established 1955) reported $600.2M in assets and 49,845 members for Q2 2026 from Naperville, Illinois. It ranks 20 of 185 credit unions in Illinois by total assets. Total assets grew 5.4% from $569.6M on June 30, 2025. It has 1,741 more members than on June 30, 2025 (+3.6%). Its net worth ratio was up 0.10 percentage points from 9.51% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $157.8M of $464.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.48% 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: 9.55% for Q1 2026; 9.51% 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: 0.40% for Q1 2026; 0.62% 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: 0.25% for Q1 2026; 1.03% 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: 88.05% for Q1 2026; 91.15% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $157.8M
- Used vehicle loans: $153.9M
- New vehicle loans: $68.1M
- Unsecured credit card loans: $34.6M
- Other unsecured loans and lines of credit: $33.4M
- Commercial loans: $15.4M
- Other secured non-real estate loans and lines of credit: $415K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $600.2M | 9.61% | 0.48% | 0.52% | 90.03% |
| March 31, 2026 | $595.9M | 9.55% | 0.40% | 0.25% | 88.05% |
| December 31, 2025 | $581.1M | 9.73% | 0.65% | 0.73% | 88.13% |
| September 30, 2025 | $566.1M | 9.80% | 0.62% | 1.39% | 91.81% |
| June 30, 2025 | $569.6M | 9.51% | 0.62% | 1.03% | 91.15% |
| March 31, 2025 | $572.5M | 9.21% | 0.60% | 0.85% | 84.23% |
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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.
Regulator records: NCUA credit union profile (charter 97084) · FFIEC NIC profile (RSSD 79396)
Frequently asked questions
Is Dupage Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Dupage Credit Union's net worth ratio is 9.61%, above the 7% NCUA threshold for well capitalized.
Is Dupage Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Dupage Credit Union is a federally insured credit union (NCUA charter 97084): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Dupage Credit Union's key safety ratios?
For Q2 2026, Dupage Credit Union reports net worth 9.61%, delinquency 0.48%, ROA 0.52%, loan-to-share 90.03%.
What happens to my money if Dupage Credit Union fails?
For Q2 2026, Dupage Credit Union held $515.4M in shares and deposits for 49,845 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.