Credit Union Safety Analysis
Is Israel Methcomm Federal Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Israel Methcomm Federal Credit Union has a net worth ratio of 15.53%, 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, Israel Methcomm Federal Credit Union's net worth ratio is 15.53%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.53%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 3.21%
- Loan-to-share ratio (Q2 2026): 35.76%
Israel Methcomm Federal Credit Union (NCUA charter 15673, established 1963) reported $2.0M in assets and 235 members for Q2 2026 from Chicago, Illinois. It ranks 157 of 185 credit unions in Illinois by total assets. Total assets fell 4.8% from $2.1M on June 30, 2025. It has 12 more members than on June 30, 2025 (+5.4%). Its net worth ratio was up 2.71 percentage points from 12.82% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $203K of $505K 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: 13.58% for Q1 2026; 12.82% 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%.
Earlier filings: 5.63% for Q1 2026 .
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: 2.96% for Q1 2026; 0.00% 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: 34.35% for Q1 2026; 40.60% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $203K
- Used vehicle loans: $197K
- New vehicle loans: $62K
- Other unsecured loans and lines of credit: $42K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.0M | 15.53% | — | 3.21% | 35.76% |
| March 31, 2026 | $2.2M | 13.58% | 5.63% | 2.96% | 34.35% |
| December 31, 2025 | $2.3M | 12.15% | — | 0.68% | 38.97% |
| September 30, 2025 | $2.1M | 13.23% | — | 5.81% | 39.74% |
| June 30, 2025 | $2.1M | 12.82% | — | 0.00% | 40.60% |
| March 31, 2025 | $2.1M | 11.95% | — | 3.15% | 43.32% |
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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.
Israel Methcomm Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 15673) · FFIEC NIC profile (RSSD 349987)
Frequently asked questions
Is Israel Methcomm Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Israel Methcomm Federal Credit Union's net worth ratio is 15.53%, above the 7% NCUA threshold for well capitalized.
Is Israel Methcomm Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Israel Methcomm Federal Credit Union is a federally insured credit union (NCUA charter 15673): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Israel Methcomm Federal Credit Union's key safety ratios?
For Q2 2026, Israel Methcomm Federal Credit Union reports net worth 15.53%, delinquency not reported, ROA 3.21%, loan-to-share 35.76%.
What happens to my money if Israel Methcomm Federal Credit Union fails?
For Q2 2026, Israel Methcomm Federal Credit Union held $1.4M in shares and deposits for 235 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.