Credit Union Safety Analysis
Is I B E W Local 146 Credit Union Safe? Decatur, Illinois
Based on its Q2 2026 NCUA 5300 call report, I B E W Local 146 Credit Union has a net worth ratio of 13.51%, 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, I B E W Local 146 Credit Union's net worth ratio is 13.51%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.51%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.83%
- Loan-to-share ratio (Q2 2026): 41.19%
I B E W Local 146 Credit Union (NCUA charter 65840, established 1979) reported $5.0M in assets and 658 members for Q2 2026 from Decatur, Illinois. It ranks 138 of 185 credit unions in Illinois by total assets. Total assets fell 2.9% from $5.2M on June 30, 2025. 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.
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: 12.67% for Q1 2026; 11.80% 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: 1.75% for Q1 2026; 1.80% 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: 39.36% for Q1 2026; 44.45% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.1M
- Other secured non-real estate loans and lines of credit: $328K
- New vehicle loans: $203K
- Other unsecured loans and lines of credit: $170K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.0M | 13.51% | — | 1.83% | 41.19% |
| March 31, 2026 | $5.2M | 12.67% | — | 1.75% | 39.36% |
| December 31, 2025 | $5.1M | 12.34% | — | 1.39% | 43.33% |
| September 30, 2025 | $5.1M | 12.13% | — | 0.37% | 45.31% |
| June 30, 2025 | $5.2M | 11.80% | — | 1.80% | 44.45% |
| March 31, 2025 | $5.2M | 11.33% | — | 1.51% | 45.44% |
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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.
I B E W Local 146 Credit Union profile
Regulator records: NCUA credit union profile (charter 65840) · FFIEC NIC profile (RSSD 941390)
Frequently asked questions
Is I B E W Local 146 Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, I B E W Local 146 Credit Union's net worth ratio is 13.51%, above the 7% NCUA threshold for well capitalized.
Is I B E W Local 146 Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. I B E W Local 146 Credit Union is a federally insured credit union (NCUA charter 65840): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are I B E W Local 146 Credit Union's key safety ratios?
For Q2 2026, I B E W Local 146 Credit Union reports net worth 13.51%, delinquency not reported, ROA 1.83%, loan-to-share 41.19%.
What happens to my money if I B E W Local 146 Credit Union fails?
For Q2 2026, I B E W Local 146 Credit Union held $4.3M in shares and deposits for 658 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.