Credit Union Safety Analysis
Is M E A Credit Union Safe? Monticello, Illinois
Based on its Q2 2026 NCUA 5300 call report, M E A Credit Union has a net worth ratio of 9.13%, 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, M E A Credit Union's net worth ratio is 9.13%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.13%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.51%
- Loan-to-share ratio (Q2 2026): 63.58%
M E A Credit Union (NCUA charter 65896, established 1958) reported $806K in assets and 121 members for Q2 2026 from Monticello, Illinois. It ranks 167 of 185 credit unions in Illinois by total assets. Total assets grew 3.5% from $778K on June 30, 2025. 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.
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: 8.75% for Q1 2026; 7.74% 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%.
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: 1.77% for Q1 2026; 1.58% 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: 69.88% for Q1 2026; 84.72% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $312K
- New vehicle loans: $146K
- Other unsecured loans and lines of credit: $8K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $806K | 9.13% | — | 1.51% | 63.58% |
| March 31, 2026 | $806K | 8.75% | — | 1.77% | 69.88% |
| December 31, 2025 | $760K | 8.82% | — | 1.61% | 77.49% |
| September 30, 2025 | $749K | 8.54% | — | 1.98% | 80.20% |
| June 30, 2025 | $778K | 7.74% | — | 1.58% | 84.72% |
| March 31, 2025 | $629K | 9.10% | — | 2.03% | 78.61% |
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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 65896) · FFIEC NIC profile (RSSD 472296)
Frequently asked questions
Is M E A Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, M E A Credit Union's net worth ratio is 9.13%, above the 7% NCUA threshold for well capitalized.
Is M E A Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. M E A Credit Union is a federally insured credit union (NCUA charter 65896): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are M E A Credit Union's key safety ratios?
For Q2 2026, M E A Credit Union reports net worth 9.13%, delinquency not reported, ROA 1.51%, loan-to-share 63.58%.
What happens to my money if M E A Credit Union fails?
For Q2 2026, M E A Credit Union held $732K in shares and deposits for 121 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.