Credit Union Safety Analysis
Is Kone Employees Credit Union Safe? Moline, Illinois
Based on its Q2 2026 NCUA 5300 call report, Kone Employees Credit Union has a net worth ratio of 17.47%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.55%, 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, Kone Employees Credit Union's net worth ratio is 17.47%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.47%
- Delinquency ratio (60+ days) (Q2 2026): 0.55%
- Return on assets (Q2 2026): 3.24%
- Loan-to-share ratio (Q2 2026): 63.76%
Kone Employees Credit Union (NCUA charter 60855, established 1953) reported $20.7M in assets and 1,728 members for Q2 2026 from Moline, Illinois. It ranks 98 of 185 credit unions in Illinois by total assets. Total assets grew 2.7% from $20.2M on June 30, 2025. It has 24 more members than on June 30, 2025 (+1.4%). Its net worth ratio was up 1.17 percentage points from 16.30% on June 30, 2025. Used vehicle loans are its largest loan category, $5.7M of $10.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.55% is below 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: 16.57% for Q1 2026; 16.30% 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: 0.15% for Q1 2026; 0.89% 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: 0.61% for Q1 2026; 1.66% 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: 56.71% for Q1 2026; 61.64% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $5.7M
- New vehicle loans: $1.6M
- Other secured non-real estate loans and lines of credit: $1.5M
- Other unsecured loans and lines of credit: $1.2M
- Unsecured credit card loans: $1.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $20.7M | 17.47% | 0.55% | 3.24% | 63.76% |
| March 31, 2026 | $21.5M | 16.57% | 0.15% | 0.61% | 56.71% |
| December 31, 2025 | $21.4M | 16.02% | 0.19% | 3.23% | 58.22% |
| September 30, 2025 | $21.1M | 15.82% | 1.28% | -0.49% | 58.61% |
| June 30, 2025 | $20.2M | 16.30% | 0.89% | 1.66% | 61.64% |
| March 31, 2025 | $19.7M | 16.27% | 0.16% | 0.09% | 63.30% |
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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.
Kone Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 60855) · FFIEC NIC profile (RSSD 352697)
Frequently asked questions
Is Kone Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Kone Employees Credit Union's net worth ratio is 17.47%, above the 7% NCUA threshold for well capitalized.
Is Kone Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Kone Employees Credit Union is a federally insured credit union (NCUA charter 60855): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Kone Employees Credit Union's key safety ratios?
For Q2 2026, Kone Employees Credit Union reports net worth 17.47%, delinquency 0.55%, ROA 3.24%, loan-to-share 63.76%.
What happens to my money if Kone Employees Credit Union fails?
For Q2 2026, Kone Employees Credit Union held $17.1M in shares and deposits for 1,728 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.