I B E W Local 146 Credit Union Decatur, Illinois
I B E W Local 146 Credit Union is a state-chartered credit union headquartered in Decatur, IL, established in 1979 (NCUA charter 65840), and it is regulated and insured by the NCUA. At Q2 2026 it reported 658 members and total assets of $5.0M (down 2.9% from Q2 2025), the 138th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 13.51% at Q2 2026, in the well capitalized band.
Also written as IBEW Local 146 CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 65840
- Headquarters
- Decatur, IL
- Established
- 1979
- Total assets, Q2 2026
- $5.0M
- Assets vs Q2 2025
- -2.9%
- Members, Q2 2026
- 658
- Net worth ratio, Q2 2026
- 13.51%
- Latest call report
- Q2 2026, NCUA 5300 · I B E W Local 146 Credit Union call report
- Asset rank in state
- 138th of 185 in Illinois
- Routing number
- 271183109
- Branches
- 1
It has 16 more members than on June 30, 2025 (+2.5%). Its net worth ratio was up 1.71 percentage points from 11.80% on June 30, 2025. Used vehicle loans are its largest loan category, $1.1M of $1.8M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Illinois
Frequently asked about I B E W Local 146 Credit Union
How big is I B E W Local 146 Credit Union?
At Q2 2026 it reported total assets of $5.0M and 658 members.
Where is I B E W Local 146 Credit Union headquartered?
It is headquartered in Decatur, IL, United States.
When was I B E W Local 146 Credit Union founded?
It was established in 1979, per NCUA records.
Is I B E W Local 146 Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65840): 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 I B E W Local 146 Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is I B E W Local 146 Credit Union well capitalized?
Its net worth ratio was 13.51% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is I B E W Local 146 Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 41.19% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Decatur, IL 62526
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 65840
- RSSD ID
- 941390
- Members
- 658
- Potential members
- 725
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 4 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.51% | 14.31% | 44th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.83% | 0.72% | 89th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 13.54% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.36% | 3.93% | 68th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 58.32% | 79.83% | 89th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.08% | 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% | 4.45% | 4.70% | 37th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 41.19% | 58.92% | 24th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.0M total assets against $5.2M; $4.3M total shares and deposits against $4.6M; $1.8M total loans against $2.0M.
$678K net worth against $610K.
13.51% net worth ratio against 11.80%.
41.19% loan-to-share ratio against 44.45%.
1.83% return on assets against 1.80%; 13.54% return on equity against 15.26%.
4.36% net interest margin against 4.32%.
658 members against 642.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.51% | 1.83% | — | 41.19% |
| March 31, 2026 | 12.67% | 1.75% | — | 39.36% |
| December 31, 2025 | 12.34% | 1.39% | — | 43.33% |
| September 30, 2025 | 12.13% | 0.37% | — | 45.31% |
| June 30, 2025 | 11.80% | 1.80% | — | 44.45% |
| March 31, 2025 | 11.33% | 1.51% | — | 45.44% |
Scroll sideways to see every column.
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.