For Members Only Federal Credit Union Chicago, Illinois
For Members Only Federal Credit Union is a federal credit union headquartered in Chicago, IL, established in 2023 (NCUA charter 24946), and it is regulated and insured by the NCUA. At Q2 2026 it reported 12,763 members and total assets of $6.3M (up 17.5% from Q2 2025), the 131st largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 14.84% at Q2 2026, in the well capitalized band.
Also written as For Members Only FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24946
- Headquarters
- Chicago, IL
- Established
- 2023
- Total assets, Q2 2026
- $6.3M
- Assets vs Q2 2025
- +17.5%
- Members, Q2 2026
- 12,763
- Net worth ratio, Q2 2026
- 14.84%
- Latest call report
- Q2 2026, NCUA 5300 · For Members Only Federal Credit Union call report
- Asset rank in state
- 131st of 185 in Illinois
- Routing number
- 071093415
- Branches
- 1
It has 2,020 more members than on June 30, 2025 (+18.8%). Its net worth ratio was up 0.35 percentage points from 14.49% on June 30, 2025.
Credit unions similar in size in Illinois
Frequently asked about For Members Only Federal Credit Union
How big is For Members Only Federal Credit Union?
At Q2 2026 it reported total assets of $6.3M and 12,763 members.
Where is For Members Only Federal Credit Union headquartered?
It is headquartered in Chicago, IL, United States.
When was For Members Only Federal Credit Union founded?
It was established in 2023, per NCUA records.
Is For Members Only Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24946): 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 For Members Only Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is For Members Only Federal Credit Union well capitalized?
Its net worth ratio was 14.84% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
Credit Union Profile
- Headquarters
- Chicago, IL 60637
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 2023
- NCUA Charter #
- 24946
- RSSD ID
- 5861747
- Members
- 12,763
- Potential members
- 12,890
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.84% | 14.31% | 53rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -4.19% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -28.23% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.43% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 228.69% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.03% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 2.46% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | not on file | 58.92% | not on file |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.3M total assets against $5.4M; $5.4M total shares and deposits against $4.6M.
$937K net worth against $779K.
14.84% net worth ratio against 14.49%.
-4.19% return on assets against 0.17%; -28.23% return on equity against 1.16%.
2.43% net interest margin against 3.06%.
12,763 members against 10,743.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.84% | -4.19% | — | — |
| March 31, 2026 | 16.03% | 5.17% | — | — |
| December 31, 2025 | 15.63% | 7.27% | — | — |
| September 30, 2025 | 14.52% | 2.58% | — | — |
| June 30, 2025 | 14.49% | 0.17% | — | — |
| March 31, 2025 | 14.96% | 3.46% | — | — |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.