Revity Credit Union Granite City, Illinois
Revity Credit Union is a state-chartered credit union headquartered in Granite City, IL, established in 1941 (NCUA charter 68623), and it is regulated and insured by the NCUA. At Q2 2026 it reported 37,037 members and total assets of $526.5M (up 5.2% from Q2 2025), the 23rd largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 10.40% at Q2 2026, in the well capitalized band.
Also written as Revity 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
- 68623
- Headquarters
- Granite City, IL
- Established
- 1941
- Total assets, Q2 2026
- $526.5M
- Assets vs Q2 2025
- +5.2%
- Members, Q2 2026
- 37,037
- Net worth ratio, Q2 2026
- 10.40%
- Latest call report
- Q2 2026, NCUA 5300 · Revity Credit Union call report
- Asset rank in state
- 23rd of 185 in Illinois
- Routing number
- 281076853
- Branches
- 8
It has 89 more members than on June 30, 2025 (+0.2%). Its net worth ratio was down 0.65 percentage points from 11.05% on June 30, 2025. Used vehicle loans are its largest loan category, $106.1M of $312.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.43% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.40% net worth ratio is below that band's 11.43% median.
Credit unions merged into Revity Credit Union
Fairmont Village Credit Union (2021) · Electrical Workers Credit Union (2016) · Bell Community Credit Union (2015)
Frequently asked about Revity Credit Union
How big is Revity Credit Union?
At Q2 2026 it reported total assets of $526.5M and 37,037 members.
Where is Revity Credit Union headquartered?
It is headquartered in Granite City, IL, United States.
When was Revity Credit Union founded?
It was established in 1941, per NCUA records.
Is Revity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68623): 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 Revity 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 Revity Credit Union well capitalized?
Its net worth ratio was 10.40% 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 Revity Credit Union's delinquency ratio?
Its delinquency ratio was 0.43% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Revity Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.22% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Granite City, IL 62040
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1941
- NCUA Charter #
- 68623
- RSSD ID
- 182072
- Members
- 37,037
- Potential members
- 1,298,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.40% | 11.43% | 34th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.62% | 0.81% | 88th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 15.60% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.12% | 3.70% | 76th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 64.80% | 76.55% | 82nd top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.88% | 1.24% | 11th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.43% | 0.68% | 72nd above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 6.00% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 74.22% | 75.66% | 47th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$526.5M total assets against $500.7M; $421.4M total shares and deposits against $413.4M; $312.7M total loans against $291.8M.
$54.8M net worth against $55.4M.
10.40% net worth ratio against 11.05%.
74.22% loan-to-share ratio against 70.59%.
0.43% delinquency ratio against 0.37%.
1.62% return on assets against 0.57%; 15.60% return on equity against 5.19%.
4.12% net interest margin against 2.96%.
37,037 members against 36,948.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.40% | 1.62% | 0.43% | 74.22% |
| March 31, 2026 | 9.94% | 0.98% | 0.27% | 72.49% |
| December 31, 2025 | 11.95% | 1.29% | 0.22% | 73.60% |
| September 30, 2025 | 11.28% | 0.77% | 0.28% | 73.53% |
| June 30, 2025 | 11.05% | 0.57% | 0.37% | 70.59% |
| March 31, 2025 | 11.54% | 0.25% | 0.41% | 65.00% |
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.