Credit Union Safety Analysis
Is Siu Credit Union Safe? Carbondale, Illinois
Based on its Q2 2026 NCUA 5300 call report, Siu Credit Union has a net worth ratio of 11.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.90%, 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, Siu Credit Union's net worth ratio is 11.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.56%
- Delinquency ratio (60+ days) (Q2 2026): 0.90%
- Return on assets (Q2 2026): 1.04%
- Loan-to-share ratio (Q2 2026): 75.34%
Siu Credit Union (NCUA charter 60279, established 1938) reported $591.3M in assets and 46,485 members for Q2 2026 from Carbondale, Illinois. It ranks 21 of 185 credit unions in Illinois by total assets. Total assets grew 9.1% from $542.0M on June 30, 2025. It has 1,665 more members than on June 30, 2025 (+3.7%). Its net worth ratio was up 0.14 percentage points from 11.42% on June 30, 2025. Used vehicle loans are its largest loan category, $193.4M of $391.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.90% is above 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: 11.36% for Q1 2026; 11.42% 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: 0.88% 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: 1.30% for Q1 2026; 1.02% 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: 75.07% for Q1 2026; 76.37% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $193.4M
- New vehicle loans: $65.4M
- 1- to 4-family residential and other consumer real estate loans: $59.8M
- Commercial loans: $24.0M
- Other unsecured loans and lines of credit: $19.5M
- Unsecured credit card loans: $17.4M
- Other secured non-real estate loans and lines of credit: $10.9M
- Non-federally guaranteed student loans: $940K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $591.3M | 11.56% | 0.90% | 1.04% | 75.34% |
| March 31, 2026 | $588.2M | 11.36% | 0.88% | 1.30% | 75.07% |
| December 31, 2025 | $561.0M | 11.57% | 0.84% | 1.46% | 78.81% |
| September 30, 2025 | $543.2M | 11.58% | 0.68% | 0.99% | 80.86% |
| June 30, 2025 | $542.0M | 11.42% | 0.43% | 1.02% | 76.37% |
| March 31, 2025 | $527.5M | 11.47% | 0.38% | 0.90% | 73.79% |
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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.
Regulator records: NCUA credit union profile (charter 60279) · FFIEC NIC profile (RSSD 635091)
Frequently asked questions
Is Siu Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Siu Credit Union's net worth ratio is 11.56%, above the 7% NCUA threshold for well capitalized.
Is Siu Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Siu Credit Union is a federally insured credit union (NCUA charter 60279): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Siu Credit Union's key safety ratios?
For Q2 2026, Siu Credit Union reports net worth 11.56%, delinquency 0.90%, ROA 1.04%, loan-to-share 75.34%.
What happens to my money if Siu Credit Union fails?
For Q2 2026, Siu Credit Union held $519.4M in shares and deposits for 46,485 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.