M E A Credit Union Monticello, Illinois
M E A Credit Union is a state-chartered credit union headquartered in Monticello, IL, established in 1958 (NCUA charter 65896), and it is regulated and insured by the NCUA. At Q2 2026 it reported 121 members and total assets of $806K (up 3.5% from Q2 2025), the 167th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 9.13% at Q2 2026, in the well capitalized band.
Also written as MEA CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 65896
- Headquarters
- Monticello, IL
- Established
- 1958
- Total assets, Q2 2026
- $806K
- Assets vs Q2 2025
- +3.5%
- Members, Q2 2026
- 121
- Net worth ratio, Q2 2026
- 9.13%
- Latest call report
- Q2 2026, NCUA 5300 · M E A Credit Union call report
- Asset rank in state
- 167th of 185 in Illinois
- Routing number
- 271186711
- Branches
- 2
It has 3 fewer members than on June 30, 2025 (-2.4%). Its net worth ratio was up 1.39 percentage points from 7.74% on June 30, 2025. Used vehicle loans are its largest loan category, $312K of $466K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Illinois
Frequently asked about M E A Credit Union
How big is M E A Credit Union?
At Q2 2026 it reported total assets of $806K and 121 members.
Where is M E A Credit Union headquartered?
It is headquartered in Monticello, IL, United States.
When was M E A Credit Union founded?
It was established in 1958, per NCUA records.
Is M E A Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65896): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates M E A Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is M E A Credit Union well capitalized?
Its net worth ratio was 9.13% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is M E A Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 63.58% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Monticello, IL 61856
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 65896
- RSSD ID
- 472296
- Members
- 121
- Potential members
- 240
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 5 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.13% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.51% | 0.72% | 81st top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 16.55% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.83% | 3.93% | 13th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.27% | 0.78% | 82nd top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.09% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 63.58% | 58.92% | 57th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$806K total assets against $778K; $732K total shares and deposits against $718K; $466K total loans against $608K.
$74K net worth against $60K.
9.13% net worth ratio against 7.74%.
63.58% loan-to-share ratio against 84.72%.
1.51% return on assets against 1.58%; 16.55% return on equity against 20.36%.
2.83% net interest margin against 2.69%.
121 members against 124.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.13% | 1.51% | — | 63.58% |
| March 31, 2026 | 8.75% | 1.77% | — | 69.88% |
| December 31, 2025 | 8.82% | 1.61% | — | 77.49% |
| September 30, 2025 | 8.54% | 1.98% | — | 80.20% |
| June 30, 2025 | 7.74% | 1.58% | — | 84.72% |
| March 31, 2025 | 9.10% | 2.03% | — | 78.61% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.