Credit Union Safety Analysis
Is Vicinity Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Vicinity Credit Union has a net worth ratio of 8.19%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.92%, 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, Vicinity Credit Union's net worth ratio is 8.19%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.19%
- Delinquency ratio (60+ days) (Q2 2026): 0.92%
- Return on assets (Q2 2026): -0.30%
- Loan-to-share ratio (Q2 2026): 44.97%
Vicinity Credit Union (NCUA charter 60041, established 1931) reported $203.9M in assets and 17,491 members for Q2 2026 from Chicago, Illinois. It ranks 41 of 185 credit unions in Illinois by total assets. Total assets fell 22.1% from $261.7M on June 30, 2025. It has 1,187 fewer members than on June 30, 2025 (-6.4%). Its net worth ratio was up 0.32 percentage points from 7.87% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $55.7M of $86.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.92% 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: 8.38% for Q1 2026; 7.87% 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: 0.42% for Q1 2026; 1.48% 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: -0.26% for Q1 2026; -1.33% 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: 47.83% for Q1 2026; 47.69% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $55.7M
- Used vehicle loans: $16.0M
- New vehicle loans: $9.5M
- Other unsecured loans and lines of credit: $2.7M
- Unsecured credit card loans: $1.9M
- Other secured non-real estate loans and lines of credit: $868K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $203.9M | 8.19% | 0.92% | -0.30% | 44.97% |
| March 31, 2026 | $201.2M | 8.38% | 0.42% | -0.26% | 47.83% |
| December 31, 2025 | $200.1M | 8.79% | 0.73% | -4.01% | 51.35% |
| September 30, 2025 | $201.7M | 9.90% | 1.37% | -1.22% | 48.32% |
| June 30, 2025 | $261.7M | 7.87% | 1.48% | -1.33% | 47.69% |
| March 31, 2025 | $263.8M | 8.14% | 1.54% | -0.04% | 50.12% |
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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 60041) · FFIEC NIC profile (RSSD 484897)
Frequently asked questions
Is Vicinity Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Vicinity Credit Union's net worth ratio is 8.19%, above the 7% NCUA threshold for well capitalized.
Is Vicinity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Vicinity Credit Union is a federally insured credit union (NCUA charter 60041): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Vicinity Credit Union's key safety ratios?
For Q2 2026, Vicinity Credit Union reports net worth 8.19%, delinquency 0.92%, ROA -0.30%, loan-to-share 44.97%.
What happens to my money if Vicinity Credit Union fails?
For Q2 2026, Vicinity Credit Union held $192.7M in shares and deposits for 17,491 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.