Credit Union Safety Analysis
Is For Members Only Federal Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, For Members Only Federal Credit Union has a net worth ratio of 14.84%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, For Members Only Federal Credit Union's net worth ratio is 14.84%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.84%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -4.19%
- Loan-to-share ratio (Q2 2026): not reported
For Members Only Federal Credit Union (NCUA charter 24946, established 2023) reported $6.3M in assets and 12,763 members for Q2 2026 from Chicago, Illinois. It ranks 131 of 185 credit unions in Illinois by total assets. Total assets grew 17.5% from $5.4M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.03% for Q1 2026; 14.49% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 5.17% for Q1 2026; 0.17% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.3M | 14.84% | — | -4.19% | — |
| March 31, 2026 | $6.3M | 16.03% | — | 5.17% | — |
| December 31, 2025 | $5.9M | 15.63% | — | 7.27% | — |
| September 30, 2025 | $5.6M | 14.52% | — | 2.58% | — |
| June 30, 2025 | $5.4M | 14.49% | — | 0.17% | — |
| March 31, 2025 | $5.2M | 14.96% | — | 3.46% | — |
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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.
For Members Only Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24946) · FFIEC NIC profile (RSSD 5861747)
Frequently asked questions
Is For Members Only Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, For Members Only Federal Credit Union's net worth ratio is 14.84%, above the 7% NCUA threshold for well capitalized.
Is For Members Only Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. For Members Only Federal Credit Union is a federally insured credit union (NCUA charter 24946): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are For Members Only Federal Credit Union's key safety ratios?
For Q2 2026, For Members Only Federal Credit Union reports net worth 14.84%, delinquency not reported, ROA -4.19%, loan-to-share not reported.
What happens to my money if For Members Only Federal Credit Union fails?
For Q2 2026, For Members Only Federal Credit Union held $5.4M in shares and deposits for 12,763 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.