Credit Union Safety Analysis
Is University of Illinois Community Credit Union Safe? Champaign, Illinois
Based on its Q2 2026 NCUA 5300 call report, University of Illinois Community Credit Union has a net worth ratio of 9.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.57%, 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, University of Illinois Community Credit Union's net worth ratio is 9.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.93%
- Delinquency ratio (60+ days) (Q2 2026): 0.57%
- Return on assets (Q2 2026): 1.14%
- Loan-to-share ratio (Q2 2026): 90.78%
University of Illinois Community Credit Union (NCUA charter 60583, established 1932) reported $765.5M in assets and 65,320 members for Q2 2026 from Champaign, Illinois. It ranks 17 of 185 credit unions in Illinois by total assets. Total assets grew 8.9% from $702.7M on June 30, 2025. It has 1,147 more members than on June 30, 2025 (+1.8%). Its net worth ratio was down 0.14 percentage points from 10.07% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $228.0M of $625.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.57% is below 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: 9.68% for Q1 2026; 10.07% 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: 0.66% for Q1 2026; 0.57% 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: 1.08% for Q1 2026; 0.42% 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: 89.43% for Q1 2026; 96.09% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $228.0M
- Used vehicle loans: $146.4M
- New vehicle loans: $88.1M
- Unsecured credit card loans: $75.7M
- Other secured non-real estate loans and lines of credit: $48.3M
- Commercial loans: $20.7M
- Other unsecured loans and lines of credit: $17.8M
- Non-federally guaranteed student loans: $350K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $765.5M | 9.93% | 0.57% | 1.14% | 90.78% |
| March 31, 2026 | $767.1M | 9.68% | 0.66% | 1.08% | 89.43% |
| December 31, 2025 | $755.5M | 9.55% | 0.74% | 0.39% | 91.52% |
| September 30, 2025 | $741.8M | 9.63% | 0.66% | 0.23% | 94.99% |
| June 30, 2025 | $702.7M | 10.07% | 0.57% | 0.42% | 96.09% |
| March 31, 2025 | $713.6M | 9.98% | 0.67% | 0.51% | 87.28% |
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Free to use. It shows University of Illinois Community Credit Union’s latest filed figures and updates each quarter.
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.
University of Illinois Community Credit Union profile
Regulator records: NCUA credit union profile (charter 60583) · FFIEC NIC profile (RSSD 419992)
Frequently asked questions
Is University of Illinois Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, University of Illinois Community Credit Union's net worth ratio is 9.93%, above the 7% NCUA threshold for well capitalized.
Is University of Illinois Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. University of Illinois Community Credit Union is a federally insured credit union (NCUA charter 60583): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are University of Illinois Community Credit Union's key safety ratios?
For Q2 2026, University of Illinois Community Credit Union reports net worth 9.93%, delinquency 0.57%, ROA 1.14%, loan-to-share 90.78%.
What happens to my money if University of Illinois Community Credit Union fails?
For Q2 2026, University of Illinois Community Credit Union held $689.0M in shares and deposits for 65,320 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.