Credit Union Safety Analysis
Is I. H. Mississippi Valley Credit Union Safe? Moline, Illinois
Based on its Q2 2026 NCUA 5300 call report, I. H. Mississippi Valley Credit Union has a net worth ratio of 9.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, 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. H. Mississippi Valley Credit Union's net worth ratio is 9.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.12%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): 1.20%
- Loan-to-share ratio (Q2 2026): 93.47%
I. H. Mississippi Valley Credit Union (NCUA charter 60337, established 1936) reported $2.30B in assets and 149,553 members for Q2 2026 from Moline, Illinois. It ranks 7 of 185 credit unions in Illinois by total assets. Total assets grew 2.6% from $2.24B on June 30, 2025. It has 1,524 fewer members than on June 30, 2025 (-1.0%). Its net worth ratio was up 0.15 percentage points from 8.97% on June 30, 2025. Used vehicle loans are its largest loan category, $670.5M of $1.89B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.87% for Q1 2026; 8.97% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.76% for Q1 2026; 2.33% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.01% for Q1 2026; -1.08% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 94.35% for Q1 2026; 94.21% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $670.5M
- 1- to 4-family residential and other consumer real estate loans: $654.0M
- New vehicle loans: $266.3M
- Commercial loans: $216.7M
- Unsecured credit card loans: $55.7M
- Other unsecured loans and lines of credit: $13.5M
- Other secured non-real estate loans and lines of credit: $5.6M
- Non-federally guaranteed student loans: $3.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.30B | 9.12% | 0.86% | 1.20% | 93.47% |
| March 31, 2026 | $2.33B | 8.87% | 0.76% | 1.01% | 94.35% |
| December 31, 2025 | $2.31B | 8.71% | 1.33% | -0.55% | 97.93% |
| September 30, 2025 | $2.22B | 9.00% | 2.17% | 0.30% | 95.04% |
| June 30, 2025 | $2.24B | 8.97% | 2.33% | -1.08% | 94.21% |
| March 31, 2025 | $2.24B | 9.33% | 2.04% | 0.19% | 91.67% |
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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. H. Mississippi Valley Credit Union profile
Regulator records: NCUA credit union profile (charter 60337) · FFIEC NIC profile (RSSD 131892)
Frequently asked questions
Is I. H. Mississippi Valley Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, I. H. Mississippi Valley Credit Union's net worth ratio is 9.12%, above the 7% NCUA threshold for well capitalized.
Is I. H. Mississippi Valley Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. I. H. Mississippi Valley Credit Union is a federally insured credit union (NCUA charter 60337): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are I. H. Mississippi Valley Credit Union's key safety ratios?
For Q2 2026, I. H. Mississippi Valley Credit Union reports net worth 9.12%, delinquency 0.86%, ROA 1.20%, loan-to-share 93.47%.
What happens to my money if I. H. Mississippi Valley Credit Union fails?
For Q2 2026, I. H. Mississippi Valley Credit Union held $2.02B in shares and deposits for 149,553 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.