Credit Union Safety Analysis
Is Funeral Service Credit Union Safe? Springfield, Illinois
Based on its Q2 2026 NCUA 5300 call report, Funeral Service Credit Union has a net worth ratio of 17.87%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.72%, 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, Funeral Service Credit Union's net worth ratio is 17.87%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.87%
- Delinquency ratio (60+ days) (Q2 2026): 0.72%
- Return on assets (Q2 2026): 0.87%
- Loan-to-share ratio (Q2 2026): 107.50%
Funeral Service Credit Union (NCUA charter 66253, established 1983) reported $10.7M in assets and 680 members for Q2 2026 from Springfield, Illinois. It ranks 115 of 185 credit unions in Illinois by total assets. Total assets grew 5.1% from $10.2M on June 30, 2025. It has 22 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was down 0.09 percentage points from 17.96% on June 30, 2025. Commercial loans are its largest loan category, $7.8M of $9.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.72% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
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: 19.36% for Q1 2026; 17.96% 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%.
Earlier filings: 0.81% for Q1 2026 .
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: 0.54% for Q1 2026; -2.68% 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%.
Earlier filings: 112.83% for Q1 2026; 108.25% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $7.8M
- Used vehicle loans: $939K
- New vehicle loans: $432K
- Unsecured credit card loans: $77K
- Other unsecured loans and lines of credit: $67K
- Other secured non-real estate loans and lines of credit: $19K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.7M | 17.87% | 0.72% | 0.87% | 107.50% |
| March 31, 2026 | $9.8M | 19.36% | 0.81% | 0.54% | 112.83% |
| December 31, 2025 | $9.9M | 18.96% | 0.85% | 1.09% | 112.70% |
| September 30, 2025 | $10.4M | 17.74% | — | 0.78% | 100.45% |
| June 30, 2025 | $10.2M | 17.96% | — | -2.68% | 108.25% |
| March 31, 2025 | $9.9M | 18.99% | 1.11% | 0.24% | 113.88% |
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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.
Funeral Service Credit Union profile
Regulator records: NCUA credit union profile (charter 66253) · FFIEC NIC profile (RSSD 1019513)
Frequently asked questions
Is Funeral Service Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Funeral Service Credit Union's net worth ratio is 17.87%, above the 7% NCUA threshold for well capitalized.
Is Funeral Service Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Funeral Service Credit Union is a federally insured credit union (NCUA charter 66253): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Funeral Service Credit Union's key safety ratios?
For Q2 2026, Funeral Service Credit Union reports net worth 17.87%, delinquency 0.72%, ROA 0.87%, loan-to-share 107.50%.
What happens to my money if Funeral Service Credit Union fails?
For Q2 2026, Funeral Service Credit Union held $8.7M in shares and deposits for 680 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.