Credit Union Safety Analysis
Is Linxus Credit Union Safe? Machesney Park, Illinois
Based on its Q2 2026 NCUA 5300 call report, Linxus Credit Union has a net worth ratio of 16.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.02%, 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, Linxus Credit Union's net worth ratio is 16.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.17%
- Delinquency ratio (60+ days) (Q2 2026): 0.02%
- Return on assets (Q2 2026): 0.75%
- Loan-to-share ratio (Q2 2026): 41.57%
Linxus Credit Union (NCUA charter 64948, established 1927) reported $17.5M in assets and 2,163 members for Q2 2026 from Machesney Park, Illinois. It ranks 103 of 185 credit unions in Illinois by total assets. Total assets grew 0.5% from $17.4M on June 30, 2025. It has 39 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 0.01 percentage points from 16.16% on June 30, 2025. Used vehicle loans are its largest loan category, $2.8M of $6.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.02% 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: 15.52% for Q1 2026; 16.16% 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: 0.02% for Q1 2026; 0.44% 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: 1.03% for Q1 2026; 1.15% 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: 41.56% for Q1 2026; 48.25% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.8M
- New vehicle loans: $2.3M
- Other unsecured loans and lines of credit: $760K
- Other secured non-real estate loans and lines of credit: $204K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $17.5M | 16.17% | 0.02% | 0.75% | 41.57% |
| March 31, 2026 | $18.0M | 15.52% | 0.02% | 1.03% | 41.56% |
| December 31, 2025 | $17.9M | 15.35% | 0.02% | -2.72% | 42.70% |
| September 30, 2025 | $17.6M | 16.29% | 0.42% | 1.31% | 45.55% |
| June 30, 2025 | $17.4M | 16.16% | 0.44% | 1.15% | 48.25% |
| March 31, 2025 | $17.7M | 15.59% | 0.59% | 1.33% | 48.30% |
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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.
Regulator records: NCUA credit union profile (charter 64948) · FFIEC NIC profile (RSSD 120298)
Frequently asked questions
Is Linxus Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Linxus Credit Union's net worth ratio is 16.17%, above the 7% NCUA threshold for well capitalized.
Is Linxus Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Linxus Credit Union is a federally insured credit union (NCUA charter 64948): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Linxus Credit Union's key safety ratios?
For Q2 2026, Linxus Credit Union reports net worth 16.17%, delinquency 0.02%, ROA 0.75%, loan-to-share 41.57%.
What happens to my money if Linxus Credit Union fails?
For Q2 2026, Linxus Credit Union held $14.6M in shares and deposits for 2,163 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.