Credit Union Safety Analysis
Is Partnership Financial Credit Union Safe? Morton Grove, Illinois
Based on its Q2 2026 NCUA 5300 call report, Partnership Financial Credit Union has a net worth ratio of 12.30%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.57%, 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, Partnership Financial Credit Union's net worth ratio is 12.30%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.30%
- Delinquency ratio (60+ days) (Q2 2026): 0.57%
- Return on assets (Q2 2026): 1.30%
- Loan-to-share ratio (Q2 2026): 50.24%
Partnership Financial Credit Union (NCUA charter 62854, established 1958) reported $402.9M in assets and 14,456 members for Q2 2026 from Morton Grove, Illinois. It ranks 29 of 185 credit unions in Illinois by total assets. Total assets grew 3.8% from $388.1M on June 30, 2025. It has 50 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.75 percentage points from 11.55% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $107.6M of $176.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.57% 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: 12.13% for Q1 2026; 11.55% 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: 0.60% 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: 1.32% for Q1 2026; 1.48% 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: 48.88% for Q1 2026; 45.61% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $107.6M
- Used vehicle loans: $32.5M
- Commercial loans: $14.5M
- New vehicle loans: $12.5M
- Unsecured credit card loans: $5.5M
- Other unsecured loans and lines of credit: $2.3M
- Non-federally guaranteed student loans: $1.2M
- Other secured non-real estate loans and lines of credit: $720K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $402.9M | 12.30% | 0.57% | 1.30% | 50.24% |
| March 31, 2026 | $397.7M | 12.13% | 0.60% | 1.32% | 48.88% |
| December 31, 2025 | $384.0M | 12.22% | 0.50% | 1.02% | 50.92% |
| September 30, 2025 | $385.6M | 11.94% | 0.43% | 1.26% | 48.36% |
| June 30, 2025 | $388.1M | 11.55% | 0.43% | 1.48% | 45.61% |
| March 31, 2025 | $383.7M | 11.31% | 0.35% | 0.97% | 45.28% |
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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.
Partnership Financial Credit Union profile
Regulator records: NCUA credit union profile (charter 62854) · FFIEC NIC profile (RSSD 948296)
Frequently asked questions
Is Partnership Financial Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Partnership Financial Credit Union's net worth ratio is 12.30%, above the 7% NCUA threshold for well capitalized.
Is Partnership Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Partnership Financial Credit Union is a federally insured credit union (NCUA charter 62854): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Partnership Financial Credit Union's key safety ratios?
For Q2 2026, Partnership Financial Credit Union reports net worth 12.30%, delinquency 0.57%, ROA 1.30%, loan-to-share 50.24%.
What happens to my money if Partnership Financial Credit Union fails?
For Q2 2026, Partnership Financial Credit Union held $352.0M in shares and deposits for 14,456 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.