Pontiac Dwight Prison Employees Credit Union Pontiac, Illinois
Pontiac Dwight Prison Employees Credit Union is a state-chartered credit union headquartered in Pontiac, IL, established in 1962 (NCUA charter 60299), and it is regulated and insured by the NCUA. At Q2 2026 it reported 917 members and total assets of $8.3M (up 7.7% from Q2 2025), the 123rd largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 10.81% at Q2 2026, in the well capitalized band.
Also written as Pontiac Dwight Prison 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
- 60299
- Headquarters
- Pontiac, IL
- Established
- 1962
- Total assets, Q2 2026
- $8.3M
- Assets vs Q2 2025
- +7.7%
- Members, Q2 2026
- 917
- Net worth ratio, Q2 2026
- 10.81%
- Latest call report
- Q2 2026, NCUA 5300 · Pontiac Dwight Prison Employees Credit Union call report
- Asset rank in state
- 123rd of 185 in Illinois
- Routing number
- 271188049
- Branches
- 2
It has 13 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was down 0.56 percentage points from 11.37% on June 30, 2025. Used vehicle loans are its largest loan category, $1.3M of $2.7M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Illinois
Frequently asked about Pontiac Dwight Prison Employees Credit Union
How big is Pontiac Dwight Prison Employees Credit Union?
At Q2 2026 it reported total assets of $8.3M and 917 members.
Where is Pontiac Dwight Prison Employees Credit Union headquartered?
It is headquartered in Pontiac, IL, United States.
When was Pontiac Dwight Prison Employees Credit Union founded?
It was established in 1962, per NCUA records.
Is Pontiac Dwight Prison Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60299): 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 Pontiac Dwight Prison 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 Pontiac Dwight Prison Employees Credit Union well capitalized?
Its net worth ratio was 10.81% 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 Pontiac Dwight Prison Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 36.09% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Pontiac, IL 61764
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1962
- NCUA Charter #
- 60299
- RSSD ID
- 113599
- Members
- 917
- Potential members
- 1,500
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 3 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 10.81% | 14.31% | 22nd bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.51% | 0.72% | 81st top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 13.99% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.81% | 3.93% | 12th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 46.16% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.85% | 0.78% | 46th 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% | 3.66% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 36.09% | 58.92% | 18th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$8.3M total assets against $7.7M; $7.4M total shares and deposits against $6.9M; $2.7M total loans against $2.9M.
$901K net worth against $880K.
10.81% net worth ratio against 11.37%.
36.09% loan-to-share ratio against 42.22%.
1.51% return on assets against 0.92%; 13.99% return on equity against 8.07%.
2.81% net interest margin against 2.25%.
917 members against 930.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.81% | 1.51% | — | 36.09% |
| March 31, 2026 | 10.71% | 0.81% | — | 39.58% |
| December 31, 2025 | 10.92% | -2.26% | — | 44.69% |
| September 30, 2025 | 11.06% | 0.83% | — | 42.69% |
| June 30, 2025 | 11.37% | 0.92% | 2.31% | 42.22% |
| March 31, 2025 | 11.29% | 1.31% | 0.04% | 42.60% |
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.