Credit Union Safety Analysis
Is Kaskaskia Valley Credit Union Safe? Centralia, Illinois
Based on its Q2 2026 NCUA 5300 call report, Kaskaskia Valley Credit Union has a net worth ratio of 7.91%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.13%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Kaskaskia Valley Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Kaskaskia Valley Credit Union's net worth ratio is 7.91%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.91%
- Delinquency ratio (60+ days) (Q2 2026): 1.13%
- Return on assets (Q2 2026): 0.17%
- Loan-to-share ratio (Q2 2026): 66.54%
Kaskaskia Valley Credit Union (NCUA charter 65988, established 1982) reported $29.4M in assets and 3,680 members for Q2 2026 from Centralia, Illinois. It ranks 85 of 185 credit unions in Illinois by total assets. Total assets grew 6.3% from $27.6M on June 30, 2025. It has 60 more members than on June 30, 2025 (+1.7%). Its net worth ratio was down 1.40 percentage points from 9.31% on June 30, 2025. Used vehicle loans are its largest loan category, $8.2M of $17.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.13% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
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: 7.98% for Q1 2026; 9.31% 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: 1.55% for Q1 2026; 1.47% for Q2 2025.
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: -0.54% for Q1 2026; 0.65% 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: 65.97% for Q1 2026; 75.67% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $8.2M
- New vehicle loans: $4.0M
- Other secured non-real estate loans and lines of credit: $2.5M
- Other unsecured loans and lines of credit: $1.7M
- Unsecured credit card loans: $701K
- 1- to 4-family residential and other consumer real estate loans: $576K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $29.4M | 7.91% | 1.13% | 0.17% | 66.54% |
| March 31, 2026 | $29.0M | 7.98% | 1.55% | -0.54% | 65.97% |
| December 31, 2025 | $28.4M | 8.53% | 1.37% | -0.40% | 70.85% |
| September 30, 2025 | $27.5M | 8.90% | 1.08% | -1.80% | 74.99% |
| June 30, 2025 | $27.6M | 9.31% | 1.47% | 0.65% | 75.67% |
| March 31, 2025 | $27.0M | 9.53% | 1.44% | -0.40% | 75.01% |
Add this badge to your website
Free to use. It shows Kaskaskia Valley Credit Union’s latest filed figures and updates each quarter.
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.
Kaskaskia Valley Credit Union profile
Regulator records: NCUA credit union profile (charter 65988) · FFIEC NIC profile (RSSD 619792)
Frequently asked questions
Is Kaskaskia Valley Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Kaskaskia Valley Credit Union's net worth ratio is 7.91%, above the 7% NCUA threshold for well capitalized.
Is Kaskaskia Valley Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Kaskaskia Valley Credit Union is a federally insured credit union (NCUA charter 65988): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Kaskaskia Valley Credit Union's key safety ratios?
For Q2 2026, Kaskaskia Valley Credit Union reports net worth 7.91%, delinquency 1.13%, ROA 0.17%, loan-to-share 66.54%.
What happens to my money if Kaskaskia Valley Credit Union fails?
For Q2 2026, Kaskaskia Valley Credit Union held $26.6M in shares and deposits for 3,680 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.