Credit Union Safety Analysis
Is State Farm Federal Credit Union Safe? Bloomington, Illinois
Based on its Q2 2026 NCUA 5300 call report, State Farm Federal Credit Union has a net worth ratio of 13.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.31%, 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, State Farm Federal Credit Union's net worth ratio is 13.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.03%
- Delinquency ratio (60+ days) (Q2 2026): 0.31%
- Return on assets (Q2 2026): 0.51%
- Loan-to-share ratio (Q2 2026): 20.19%
State Farm Federal Credit Union (NCUA charter 1273, established 1936) reported $5.71B in assets and 113,388 members for Q2 2026 from Bloomington, Illinois. It ranks 4 of 185 credit unions in Illinois by total assets. Total assets grew 15.9% from $4.93B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 13.11% for Q1 2026; 14.62% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.08% for Q1 2026; 0.23% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.41% for Q1 2026; 0.67% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 20.67% for Q1 2026; 24.68% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $379.5M
- New vehicle loans: $286.3M
- Other unsecured loans and lines of credit: $243.2M
- Other secured non-real estate loans and lines of credit: $97.3M
- 1- to 4-family residential and other consumer real estate loans: $39K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.71B | 13.03% | 0.31% | 0.51% | 20.19% |
| March 31, 2026 | $5.62B | 13.11% | 0.08% | 0.41% | 20.67% |
| December 31, 2025 | $5.30B | 13.79% | 0.24% | 0.42% | 22.61% |
| September 30, 2025 | $5.10B | 14.24% | 0.19% | 0.49% | 23.55% |
| June 30, 2025 | $4.93B | 14.62% | 0.23% | 0.67% | 24.68% |
| March 31, 2025 | $4.73B | 15.04% | 0.06% | 0.59% | 25.59% |
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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.
State Farm Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 1273) · FFIEC NIC profile (RSSD 231176)
Frequently asked questions
Is State Farm Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, State Farm Federal Credit Union's net worth ratio is 13.03%, above the 7% NCUA threshold for well capitalized.
Is State Farm Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. State Farm Federal Credit Union is a federally insured credit union (NCUA charter 1273): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are State Farm Federal Credit Union's key safety ratios?
For Q2 2026, State Farm Federal Credit Union reports net worth 13.03%, delinquency 0.31%, ROA 0.51%, loan-to-share 20.19%.
What happens to my money if State Farm Federal Credit Union fails?
For Q2 2026, State Farm Federal Credit Union held $4.98B in shares and deposits for 113,388 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.