Credit Union Safety Analysis
Is Williamson County Catholic Credit Union Safe? Herrin, Illinois
Based on its Q2 2026 NCUA 5300 call report, Williamson County Catholic Credit Union has a net worth ratio of 8.76%, 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, Williamson County Catholic Credit Union's net worth ratio is 8.76%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.76%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.89%
- Loan-to-share ratio (Q2 2026): 78.43%
Williamson County Catholic Credit Union (NCUA charter 63459, established 1952) reported $2.8M in assets and 621 members for Q2 2026 from Herrin, Illinois. It ranks 149 of 185 credit unions in Illinois by total assets. Total assets grew 11.6% from $2.6M on June 30, 2025. It has 18 fewer members than on June 30, 2025 (-2.8%). Its net worth ratio was down 1.00 percentage points from 9.76% on June 30, 2025. Used vehicle loans are its largest loan category, $1.4M of $2.0M 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: 8.47% for Q1 2026; 9.76% 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: 0.27% for Q1 2026; 1.11% 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: 75.56% for Q1 2026; 89.30% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.4M
- New vehicle loans: $320K
- Other secured non-real estate loans and lines of credit: $229K
- Other unsecured loans and lines of credit: $68K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.8M | 8.76% | — | 0.89% | 78.43% |
| March 31, 2026 | $2.9M | 8.47% | — | 0.27% | 75.56% |
| December 31, 2025 | $2.9M | 8.45% | — | -1.55% | 75.77% |
| September 30, 2025 | $2.7M | 9.17% | — | 0.17% | 85.20% |
| June 30, 2025 | $2.6M | 9.76% | — | 1.11% | 89.30% |
| March 31, 2025 | $2.7M | 9.07% | — | 0.77% | 82.91% |
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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.
Williamson County Catholic Credit Union profile
Regulator records: NCUA credit union profile (charter 63459) · FFIEC NIC profile (RSSD 640497)
Frequently asked questions
Is Williamson County Catholic Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Williamson County Catholic Credit Union's net worth ratio is 8.76%, above the 7% NCUA threshold for well capitalized.
Is Williamson County Catholic Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Williamson County Catholic Credit Union is a federally insured credit union (NCUA charter 63459): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Williamson County Catholic Credit Union's key safety ratios?
For Q2 2026, Williamson County Catholic Credit Union reports net worth 8.76%, delinquency not reported, ROA 0.89%, loan-to-share 78.43%.
What happens to my money if Williamson County Catholic Credit Union fails?
For Q2 2026, Williamson County Catholic Credit Union held $2.6M in shares and deposits for 621 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.