Credit Union Safety Analysis
Is Mount Zion Credit Union Safe? Zion, Illinois
Based on its Q2 2026 NCUA 5300 call report, Mount Zion Credit Union has a net worth ratio of 18.91%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.97%, 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, Mount Zion Credit Union's net worth ratio is 18.91%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.91%
- Delinquency ratio (60+ days) (Q2 2026): 3.97%
- Return on assets (Q2 2026): 7.55%
- Loan-to-share ratio (Q2 2026): 22.58%
Mount Zion Credit Union (NCUA charter 67024, established 1987) reported $428K in assets and 199 members for Q2 2026 from Zion, Illinois. It ranks 174 of 185 credit unions in Illinois by total assets. Total assets grew 9.0% from $392K on June 30, 2025. It has 2 fewer members than on June 30, 2025 (-1.0%). Its net worth ratio was up 0.14 percentage points from 18.77% on June 30, 2025. Used vehicle loans are its largest loan category, $41K of $78K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.97% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
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: 16.73% for Q1 2026; 18.77% 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: 5.44% for Q1 2026; 7.23% 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: 0.30% for Q1 2026; 0.12% 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: 22.85% for Q1 2026; 27.45% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $41K
- Other secured non-real estate loans and lines of credit: $36K
- Other unsecured loans and lines of credit: $972
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $428K | 18.91% | 3.97% | 7.55% | 22.58% |
| March 31, 2026 | $435K | 16.73% | 5.44% | 0.30% | 22.85% |
| December 31, 2025 | $415K | 17.44% | 6.17% | -0.99% | 24.83% |
| September 30, 2025 | $399K | 18.40% | 7.30% | -0.16% | 24.77% |
| June 30, 2025 | $392K | 18.77% | 7.23% | 0.12% | 27.45% |
| March 31, 2025 | $376K | 19.82% | 13.89% | 4.36% | 17.43% |
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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.
Mount Zion Credit Union profile
Regulator records: NCUA credit union profile (charter 67024) · FFIEC NIC profile (RSSD 1167517)
Frequently asked questions
Is Mount Zion Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mount Zion Credit Union's net worth ratio is 18.91%, above the 7% NCUA threshold for well capitalized.
Is Mount Zion Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mount Zion Credit Union is a federally insured credit union (NCUA charter 67024): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mount Zion Credit Union's key safety ratios?
For Q2 2026, Mount Zion Credit Union reports net worth 18.91%, delinquency 3.97%, ROA 7.55%, loan-to-share 22.58%.
What happens to my money if Mount Zion Credit Union fails?
For Q2 2026, Mount Zion Credit Union held $347K in shares and deposits for 199 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.