State Farm Federal Credit Union Bloomington, Illinois
State Farm Federal Credit Union is a federal credit union headquartered in Bloomington, IL, established in 1936 (NCUA charter 1273), and it is regulated and insured by the NCUA. At Q2 2026 it reported 113,388 members and total assets of $5.71B (up 15.9% from Q2 2025), the 4th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 13.03% at Q2 2026, in the well capitalized band.
Also written as State Farm FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 1273
- Headquarters
- Bloomington, IL
- Established
- 1936
- Total assets, Q2 2026
- $5.71B
- Assets vs Q2 2025
- +15.9%
- Members, Q2 2026
- 113,388
- Net worth ratio, Q2 2026
- 13.03%
- Latest call report
- Q2 2026, NCUA 5300 · State Farm Federal Credit Union call report
- Asset rank in state
- 4th of 185 in Illinois
- Routing number
- 271176200
- Branches
- 1
It has 873 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was down 1.59 percentage points from 14.62% on June 30, 2025. Used vehicle loans are its largest loan category, $379.5M of $1.01B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.03% net worth ratio is above that band's 10.89% median.
Frequently asked about State Farm Federal Credit Union
How big is State Farm Federal Credit Union?
At Q2 2026 it reported total assets of $5.71B and 113,388 members.
Where is State Farm Federal Credit Union headquartered?
It is headquartered in Bloomington, IL, United States.
When was State Farm Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is State Farm Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1273): 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 State Farm Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is State Farm Federal Credit Union well capitalized?
Its net worth ratio was 13.03% 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 State Farm Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.31% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is State Farm Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 20.19% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bloomington, IL 61710
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1273
- RSSD ID
- 231176
- Members
- 113,388
- Potential members
- 164,707
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.03% | 10.89% | 78th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.51% | 0.89% | 21st bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 3.92% | 8.07% | 17th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 0.71% | 3.45% | under 10th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 39.49% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 3.44% | 1.68% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.31% | 0.68% | 89th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.14% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 20.19% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.71B total assets against $4.93B; $4.98B total shares and deposits against $4.19B; $1.01B total loans against $1.03B.
$743.9M net worth against $720.5M.
13.03% net worth ratio against 14.62%.
20.19% loan-to-share ratio against 24.68%.
0.31% delinquency ratio against 0.23%.
0.51% return on assets against 0.67%; 3.92% return on equity against 4.57%.
0.71% net interest margin against 0.82%.
113,388 members against 114,261.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.03% | 0.51% | 0.31% | 20.19% |
| March 31, 2026 | 13.11% | 0.41% | 0.08% | 20.67% |
| December 31, 2025 | 13.79% | 0.42% | 0.24% | 22.61% |
| September 30, 2025 | 14.24% | 0.49% | 0.19% | 23.55% |
| June 30, 2025 | 14.62% | 0.67% | 0.23% | 24.68% |
| March 31, 2025 | 15.04% | 0.59% | 0.06% | 25.59% |
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.