Credit Union Safety Analysis
Is Trinity U C C Federal Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Trinity U C C Federal Credit Union has a net worth ratio of 16.50%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Trinity U C C Federal Credit Union's net worth ratio is 16.50%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.50%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.24%
- Loan-to-share ratio (Q2 2026): 2.91%
Trinity U C C Federal Credit Union (NCUA charter 23245, established 1978) reported $4.2M in assets and 673 members for Q2 2026 from Chicago, Illinois. It ranks 145 of 185 credit unions in Illinois by total assets. Total assets grew 12.1% from $3.7M on June 30, 2025. It has 1 fewer member than on June 30, 2025 (-0.1%). Its net worth ratio was down 1.12 percentage points from 17.62% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $99K of $101K in total loans on its June 30, 2026 filing.
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: 16.36% for Q1 2026; 17.62% 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%.
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: 1.08% for Q1 2026; 1.48% 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: 1.49% for Q1 2026; 2.08% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $99K
- Other unsecured loans and lines of credit: $2K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.2M | 16.50% | — | 1.24% | 2.91% |
| March 31, 2026 | $4.1M | 16.36% | — | 1.08% | 1.49% |
| December 31, 2025 | $3.9M | 16.86% | — | -0.64% | 1.86% |
| September 30, 2025 | $3.8M | 17.57% | — | 1.58% | 2.20% |
| June 30, 2025 | $3.7M | 17.62% | — | 1.48% | 2.08% |
| March 31, 2025 | $3.6M | 17.88% | — | 1.48% | 2.25% |
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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.
Trinity U C C Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23245) · FFIEC NIC profile (RSSD 592886)
Frequently asked questions
Is Trinity U C C Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Trinity U C C Federal Credit Union's net worth ratio is 16.50%, above the 7% NCUA threshold for well capitalized.
Is Trinity U C C Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Trinity U C C Federal Credit Union is a federally insured credit union (NCUA charter 23245): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Trinity U C C Federal Credit Union's key safety ratios?
For Q2 2026, Trinity U C C Federal Credit Union reports net worth 16.50%, delinquency not reported, ROA 1.24%, loan-to-share 2.91%.
What happens to my money if Trinity U C C Federal Credit Union fails?
For Q2 2026, Trinity U C C Federal Credit Union held $3.5M in shares and deposits for 673 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.