Oak Lawn Municipal Employees Credit Union Oak Lawn, Illinois
Oak Lawn Municipal Employees Credit Union is a state-chartered credit union headquartered in Oak Lawn, IL, established in 1962 (NCUA charter 62717), and it is regulated and insured by the NCUA. At Q2 2026 it reported 846 members and total assets of $4.8M (up 7.6% from Q2 2025), the 141st largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 13.69% at Q2 2026, in the well capitalized band.
Also written as Oak Lawn Municipal Employees 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
- 62717
- Headquarters
- Oak Lawn, IL
- Established
- 1962
- Total assets, Q2 2026
- $4.8M
- Assets vs Q2 2025
- +7.6%
- Members, Q2 2026
- 846
- Net worth ratio, Q2 2026
- 13.69%
- Latest call report
- Q2 2026, NCUA 5300 · Oak Lawn Municipal Employees Credit Union call report
- Asset rank in state
- 141st of 185 in Illinois
- Routing number
- 271987198
- Branches
- 1
It has 21 more members than on June 30, 2025 (+2.5%). Its net worth ratio was down 0.63 percentage points from 14.32% on June 30, 2025. New vehicle loans are its largest loan category, $970K of $2.4M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Illinois
Frequently asked about Oak Lawn Municipal Employees Credit Union
How big is Oak Lawn Municipal Employees Credit Union?
At Q2 2026 it reported total assets of $4.8M and 846 members.
Where is Oak Lawn Municipal Employees Credit Union headquartered?
It is headquartered in Oak Lawn, IL, United States.
When was Oak Lawn Municipal Employees Credit Union founded?
It was established in 1962, per NCUA records.
Is Oak Lawn Municipal Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62717): 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 Oak Lawn Municipal Employees 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 Oak Lawn Municipal Employees Credit Union well capitalized?
Its net worth ratio was 13.69% 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 Oak Lawn Municipal Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 57.99% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Oak Lawn, IL 60453
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1962
- NCUA Charter #
- 62717
- RSSD ID
- 930796
- Members
- 846
- Potential members
- 3,300
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.69% | 14.31% | 45th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.21% | 0.72% | 19th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -1.50% | 4.74% | 18th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.48% | 3.93% | 32nd below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 105.60% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.84% | 0.78% | 47th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.32% | 4.70% | 31st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 57.99% | 58.92% | 49th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.8M total assets against $4.5M; $4.1M total shares and deposits against $3.8M; $2.4M total loans against $2.7M.
$656K net worth against $637K.
13.69% net worth ratio against 14.32%.
57.99% loan-to-share ratio against 71.28%.
-0.21% return on assets against 2.58%; -1.50% return on equity against 17.99%.
3.48% net interest margin against 4.63%.
846 members against 825.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.69% | -0.21% | — | 57.99% |
| March 31, 2026 | 13.75% | 1.95% | — | 60.31% |
| December 31, 2025 | 14.28% | 0.22% | 0.23% | 64.59% |
| September 30, 2025 | 14.23% | -0.19% | 0.62% | 67.57% |
| June 30, 2025 | 14.32% | 2.58% | 0.10% | 71.28% |
| March 31, 2025 | 13.83% | 0.63% | — | 72.69% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.