Credit Union Safety Analysis
Is Maternity B V M Credit Union Safe? Bourbonnais, Illinois
Based on its Q2 2026 NCUA 5300 call report, Maternity B V M Credit Union has a net worth ratio of 12.78%, 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, Maternity B V M Credit Union's net worth ratio is 12.78%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.78%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.63%
- Loan-to-share ratio (Q2 2026): 72.37%
Maternity B V M Credit Union (NCUA charter 60212, established 1957) reported $11.3M in assets and 1,071 members for Q2 2026 from Bourbonnais, Illinois. It ranks 111 of 185 credit unions in Illinois by total assets. Total assets fell 6.9% from $12.2M on June 30, 2025. It has 40 fewer members than on June 30, 2025 (-3.6%). Its net worth ratio was up 1.16 percentage points from 11.62% on June 30, 2025. Used vehicle loans are its largest loan category, $3.1M of $7.1M 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: 12.41% for Q1 2026; 11.62% 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: 0.66% for Q1 2026; 1.97% 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: -0.66% for Q1 2026; -0.44% 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: 67.72% for Q1 2026; 61.89% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.1M
- New vehicle loans: $3.1M
- Other secured non-real estate loans and lines of credit: $524K
- Other unsecured loans and lines of credit: $351K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $11.3M | 12.78% | — | 1.63% | 72.37% |
| March 31, 2026 | $11.3M | 12.41% | 0.66% | -0.66% | 67.72% |
| December 31, 2025 | $11.6M | 12.24% | 0.58% | 0.27% | 62.72% |
| September 30, 2025 | $12.2M | 11.55% | 0.99% | -0.03% | 62.26% |
| June 30, 2025 | $12.2M | 11.62% | 1.97% | -0.44% | 61.89% |
| March 31, 2025 | $12.2M | 11.67% | 1.49% | -0.48% | 64.08% |
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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.
Maternity B V M Credit Union profile
Regulator records: NCUA credit union profile (charter 60212) · FFIEC NIC profile (RSSD 312691)
Frequently asked questions
Is Maternity B V M Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Maternity B V M Credit Union's net worth ratio is 12.78%, above the 7% NCUA threshold for well capitalized.
Is Maternity B V M Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Maternity B V M Credit Union is a federally insured credit union (NCUA charter 60212): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Maternity B V M Credit Union's key safety ratios?
For Q2 2026, Maternity B V M Credit Union reports net worth 12.78%, delinquency not reported, ROA 1.63%, loan-to-share 72.37%.
What happens to my money if Maternity B V M Credit Union fails?
For Q2 2026, Maternity B V M Credit Union held $9.9M in shares and deposits for 1,071 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.