Credit Union Safety Analysis
Is I A A Credit Union Safe? Bloomington, Illinois
Based on its Q2 2026 NCUA 5300 call report, I A A Credit Union has a net worth ratio of 14.04%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.47%, 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, I A A Credit Union's net worth ratio is 14.04%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.04%
- Delinquency ratio (60+ days) (Q2 2026): 0.47%
- Return on assets (Q2 2026): 1.02%
- Loan-to-share ratio (Q2 2026): 68.77%
I A A Credit Union (NCUA charter 68423, established 1966) reported $415.0M in assets and 18,281 members for Q2 2026 from Bloomington, Illinois. It ranks 28 of 185 credit unions in Illinois by total assets. Total assets grew 6.4% from $389.9M on June 30, 2025. It has 346 more members than on June 30, 2025 (+1.9%). Its net worth ratio was up 0.18 percentage points from 13.86% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $155.4M of $241.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.47% 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: 13.82% for Q1 2026; 13.86% 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: 0.43% for Q1 2026; 0.37% 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: 1.12% for Q1 2026; 1.32% 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: 67.58% for Q1 2026; 69.66% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $155.4M
- Used vehicle loans: $34.1M
- New vehicle loans: $19.0M
- Commercial loans: $14.0M
- Unsecured credit card loans: $8.2M
- Other unsecured loans and lines of credit: $5.4M
- Other secured non-real estate loans and lines of credit: $5.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $415.0M | 14.04% | 0.47% | 1.02% | 68.77% |
| March 31, 2026 | $414.2M | 13.82% | 0.43% | 1.12% | 67.58% |
| December 31, 2025 | $403.0M | 13.91% | 0.44% | 0.86% | 69.54% |
| September 30, 2025 | $390.7M | 14.16% | 0.45% | 1.29% | 70.04% |
| June 30, 2025 | $389.9M | 13.86% | 0.37% | 1.32% | 69.66% |
| March 31, 2025 | $401.0M | 13.16% | 0.34% | 1.26% | 66.81% |
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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 68423) · FFIEC NIC profile (RSSD 506883)
Frequently asked questions
Is I A A Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, I A A Credit Union's net worth ratio is 14.04%, above the 7% NCUA threshold for well capitalized.
Is I A A Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. I A A Credit Union is a federally insured credit union (NCUA charter 68423): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are I A A Credit Union's key safety ratios?
For Q2 2026, I A A Credit Union reports net worth 14.04%, delinquency 0.47%, ROA 1.02%, loan-to-share 68.77%.
What happens to my money if I A A Credit Union fails?
For Q2 2026, I A A Credit Union held $351.2M in shares and deposits for 18,281 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.