Credit Union Safety Analysis
Is S D C Employees Credit Union Safe? Kankakee, Illinois
Based on its Q2 2026 NCUA 5300 call report, S D C Employees Credit Union has a net worth ratio of 10.68%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.78%, 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, S D C Employees Credit Union's net worth ratio is 10.68%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.68%
- Delinquency ratio (60+ days) (Q2 2026): 0.78%
- Return on assets (Q2 2026): 0.67%
- Loan-to-share ratio (Q2 2026): 64.68%
S D C Employees Credit Union (NCUA charter 62827, established 1951) reported $27.7M in assets and 4,002 members for Q2 2026 from Kankakee, Illinois. It ranks 88 of 185 credit unions in Illinois by total assets. Total assets grew 14.9% from $24.1M on June 30, 2025. It has 12 fewer members than on June 30, 2025 (-0.3%). Its net worth ratio was down 1.35 percentage points from 12.03% on June 30, 2025. New vehicle loans are its largest loan category, $9.0M of $16.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.78% is below 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: 10.96% for Q1 2026; 12.03% 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: 1.90% for Q1 2026; 1.29% 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: 0.02% for Q1 2026; 0.74% 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: 58.61% for Q1 2026; 67.66% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $9.0M
- Used vehicle loans: $5.4M
- Other unsecured loans and lines of credit: $916K
- Unsecured credit card loans: $895K
- Other secured non-real estate loans and lines of credit: $51K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $27.7M | 10.68% | 0.78% | 0.67% | 64.68% |
| March 31, 2026 | $26.6M | 10.96% | 1.90% | 0.02% | 58.61% |
| December 31, 2025 | $23.6M | 12.34% | 2.06% | 0.13% | 63.19% |
| September 30, 2025 | $23.9M | 12.15% | 1.38% | 0.06% | 66.02% |
| June 30, 2025 | $24.1M | 12.03% | 1.29% | 0.74% | 67.66% |
| March 31, 2025 | $24.0M | 11.89% | 1.79% | 0.05% | 69.60% |
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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.
S D C Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 62827) · FFIEC NIC profile (RSSD 873295)
Frequently asked questions
Is S D C Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, S D C Employees Credit Union's net worth ratio is 10.68%, above the 7% NCUA threshold for well capitalized.
Is S D C Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. S D C Employees Credit Union is a federally insured credit union (NCUA charter 62827): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are S D C Employees Credit Union's key safety ratios?
For Q2 2026, S D C Employees Credit Union reports net worth 10.68%, delinquency 0.78%, ROA 0.67%, loan-to-share 64.68%.
What happens to my money if S D C Employees Credit Union fails?
For Q2 2026, S D C Employees Credit Union held $25.1M in shares and deposits for 4,002 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.