Membersalliance Credit Union Rockford, Illinois
Membersalliance Credit Union is a state-chartered credit union headquartered in Rockford, IL, established in 1938 (NCUA charter 81402), and it is regulated and insured by the NCUA. At Q2 2026 it reported 22,262 members and total assets of $303.6M (up 6.0% from Q2 2025), the 34th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 9.38% at Q2 2026, in the well capitalized band.
Also written as Membersalliance 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
- 81402
- Headquarters
- Rockford, IL
- Established
- 1938
- Total assets, Q2 2026
- $303.6M
- Assets vs Q2 2025
- +6.0%
- Members, Q2 2026
- 22,262
- Net worth ratio, Q2 2026
- 9.38%
- Latest call report
- Q2 2026, NCUA 5300 · Membersalliance Credit Union call report
- Asset rank in state
- 34th of 185 in Illinois
- Routing number
- 271988760
- Branches
- 5
It has 581 more members than on June 30, 2025 (+2.7%). Its net worth ratio was up 0.06 percentage points from 9.32% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $100.6M of $211.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.38% net worth ratio is below that band's 11.43% median.
Credit unions merged into Membersalliance Credit Union
Frequently asked about Membersalliance Credit Union
How big is Membersalliance Credit Union?
At Q2 2026 it reported total assets of $303.6M and 22,262 members.
Where is Membersalliance Credit Union headquartered?
It is headquartered in Rockford, IL, United States.
When was Membersalliance Credit Union founded?
It was established in 1938, per NCUA records.
Is Membersalliance Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 81402): 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 Membersalliance 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 Membersalliance Credit Union well capitalized?
Its net worth ratio was 9.38% 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 Membersalliance Credit Union's delinquency ratio?
Its delinquency ratio was 0.45% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Membersalliance Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.65% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Rockford, IL 61108
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 81402
- RSSD ID
- 497691
- Members
- 22,262
- Potential members
- 375,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.38% | 11.43% | 19th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.02% | 0.81% | 62nd above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.85% | 7.02% | 80th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.05% | 3.70% | 72nd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 75.73% | 76.55% | 53rd above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.48% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.45% | 0.68% | 70th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.53% | 4.92% | 25th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 77.65% | 75.66% | 55th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$303.6M total assets against $286.5M; $271.9M total shares and deposits against $256.3M; $211.1M total loans against $183.9M.
$28.5M net worth against $26.7M.
9.38% net worth ratio against 9.32%.
77.65% loan-to-share ratio against 71.76%.
0.45% delinquency ratio against 0.43%.
1.02% return on assets against 0.58%; 10.85% return on equity against 6.20%.
4.05% net interest margin against 3.73%.
22,262 members against 21,681.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.38% | 1.02% | 0.45% | 77.65% |
| March 31, 2026 | 9.02% | 0.61% | 0.48% | 72.77% |
| December 31, 2025 | 9.38% | 0.30% | 0.56% | 76.35% |
| September 30, 2025 | 9.58% | 0.77% | 0.40% | 75.30% |
| June 30, 2025 | 9.32% | 0.58% | 0.43% | 71.76% |
| March 31, 2025 | 8.69% | 0.95% | 0.37% | 67.56% |
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.