Credit Union Safety Analysis
Is Illinois Educators Credit Union Safe? Springfield, Illinois
Based on its Q2 2026 NCUA 5300 call report, Illinois Educators Credit Union has a net worth ratio of 10.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.87%, 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, Illinois Educators Credit Union's net worth ratio is 10.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.59%
- Delinquency ratio (60+ days) (Q2 2026): 0.87%
- Return on assets (Q2 2026): 0.38%
- Loan-to-share ratio (Q2 2026): 91.17%
Illinois Educators Credit Union (NCUA charter 65305, established 1938) reported $120.3M in assets and 10,026 members for Q2 2026 from Springfield, Illinois. It ranks 49 of 185 credit unions in Illinois by total assets. Total assets grew 7.1% from $112.3M on June 30, 2025. It has 482 more members than on June 30, 2025 (+5.1%). Its net worth ratio was down 0.49 percentage points from 11.08% on June 30, 2025. Used vehicle loans are its largest loan category, $40.2M of $93.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.87% is above 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: 10.41% for Q1 2026; 11.08% 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: 0.67% for Q1 2026; 0.49% 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: -0.07% for Q1 2026; 0.94% 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: 92.86% for Q1 2026; 93.91% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $40.2M
- New vehicle loans: $27.8M
- 1- to 4-family residential and other consumer real estate loans: $14.8M
- Other secured non-real estate loans and lines of credit: $4.5M
- Other unsecured loans and lines of credit: $3.5M
- Unsecured credit card loans: $2.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $120.3M | 10.59% | 0.87% | 0.38% | 91.17% |
| March 31, 2026 | $121.4M | 10.41% | 0.67% | -0.07% | 92.86% |
| December 31, 2025 | $120.3M | 10.52% | 1.06% | 0.14% | 95.21% |
| September 30, 2025 | $121.9M | 10.34% | 1.02% | 0.76% | 98.79% |
| June 30, 2025 | $112.3M | 11.08% | 0.49% | 0.94% | 93.91% |
| March 31, 2025 | $105.6M | 11.53% | 0.42% | 0.90% | 80.38% |
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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.
Illinois Educators Credit Union profile
Regulator records: NCUA credit union profile (charter 65305) · FFIEC NIC profile (RSSD 367495)
Frequently asked questions
Is Illinois Educators Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Illinois Educators Credit Union's net worth ratio is 10.59%, above the 7% NCUA threshold for well capitalized.
Is Illinois Educators Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Illinois Educators Credit Union is a federally insured credit union (NCUA charter 65305): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Illinois Educators Credit Union's key safety ratios?
For Q2 2026, Illinois Educators Credit Union reports net worth 10.59%, delinquency 0.87%, ROA 0.38%, loan-to-share 91.17%.
What happens to my money if Illinois Educators Credit Union fails?
For Q2 2026, Illinois Educators Credit Union held $102.2M in shares and deposits for 10,026 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.