Credit Union Safety Analysis
Is Membersalliance Credit Union Safe? Rockford, Illinois
Based on its Q2 2026 NCUA 5300 call report, Membersalliance Credit Union has a net worth ratio of 9.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.45%, 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, Membersalliance Credit Union's net worth ratio is 9.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.38%
- Delinquency ratio (60+ days) (Q2 2026): 0.45%
- Return on assets (Q2 2026): 1.02%
- Loan-to-share ratio (Q2 2026): 77.65%
Membersalliance Credit Union (NCUA charter 81402, established 1938) reported $303.6M in assets and 22,262 members for Q2 2026 from Rockford, Illinois. It ranks 34 of 185 credit unions in Illinois by total assets. Total assets grew 6.0% from $286.5M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.02% for Q1 2026; 9.32% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.48% for Q1 2026; 0.43% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.61% for Q1 2026; 0.58% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 72.77% for Q1 2026; 71.76% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $100.6M
- Used vehicle loans: $60.0M
- New vehicle loans: $22.3M
- Unsecured credit card loans: $14.0M
- Other secured non-real estate loans and lines of credit: $10.6M
- Other unsecured loans and lines of credit: $2.6M
- Non-federally guaranteed student loans: $982K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $303.6M | 9.38% | 0.45% | 1.02% | 77.65% |
| March 31, 2026 | $307.2M | 9.02% | 0.48% | 0.61% | 72.77% |
| December 31, 2025 | $290.1M | 9.38% | 0.56% | 0.30% | 76.35% |
| September 30, 2025 | $284.2M | 9.58% | 0.40% | 0.77% | 75.30% |
| June 30, 2025 | $286.5M | 9.32% | 0.43% | 0.58% | 71.76% |
| March 31, 2025 | $294.5M | 8.69% | 0.37% | 0.95% | 67.56% |
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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.
Membersalliance Credit Union profile
Regulator records: NCUA credit union profile (charter 81402) · FFIEC NIC profile (RSSD 497691)
Frequently asked questions
Is Membersalliance Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Membersalliance Credit Union's net worth ratio is 9.38%, above the 7% NCUA threshold for well capitalized.
Is Membersalliance Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Membersalliance Credit Union is a federally insured credit union (NCUA charter 81402): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Membersalliance Credit Union's key safety ratios?
For Q2 2026, Membersalliance Credit Union reports net worth 9.38%, delinquency 0.45%, ROA 1.02%, loan-to-share 77.65%.
What happens to my money if Membersalliance Credit Union fails?
For Q2 2026, Membersalliance Credit Union held $271.9M in shares and deposits for 22,262 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.