2 Rivers Area Credit Union is a federally insured state-chartered credit union headquartered in Kankakee, Illinois, in business for about 75 years. At the end of Q2 2026 it reported $27.7M in total assets and $25.1M in member shares and deposits, with 1 office.
2 Rivers Area Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 136th. Funding & liquidity contributes the most (96/100, 65% loans-to-deposits, 6% uninsured); earnings contributes the least (34/100, 0.35%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 67 |
| Q4 2024 | 61 |
| Q1 2025 | 57 |
| Q2 2025 | 65 |
| Q3 2025 | 64 |
| Q4 2025 | 58 |
| Q1 2026 | 55 |
| Q2 2026 | 66 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.46% |
| Q3 2024 | 11.87% |
| Q4 2024 | 12.18% |
| Q1 2025 | 11.89% |
| Q2 2025 | 12.03% |
| Q3 2025 | 12.15% |
| Q4 2025 | 12.34% |
| Q1 2026 | 10.96% |
| Q2 2026 | 10.68% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.73% |
| Q1 2025 | 1.79% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.38% |
| Q4 2025 | 2.06% |
| Q1 2026 | 1.90% |
| Q2 2026 | 0.78% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $27.7M | 10.68% | 0.78% | 0.35% | 64.7% |
| Q1 2026 | 55 | $26.6M | 10.96% | 1.90% | 0.02% | 58.6% |
| Q4 2025 | 58 | $23.6M | 12.34% | 2.06% | 0.25% | 63.2% |
| Q3 2025 | 64 | $23.9M | 12.15% | 1.38% | 0.29% | 66.0% |
| Q2 2025 | 65 | $24.1M | 12.03% | 1.29% | 0.40% | 67.7% |
| Q1 2025 | 57 | $24.0M | 11.89% | 1.79% | 0.05% | 69.6% |
| Q4 2024 | 61 | $23.4M | 12.18% | 1.73% | 0.48% | 74.2% |
| Q3 2024 | 67 | $23.9M | 11.87% | 1.07% | 0.50% | 72.9% |
| Q2 2024 | 69 | $24.7M | 11.46% | 0.82% | 0.68% | 72.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chicago Post Office Employees Credit UnionCredit union Chicago, IL | 63 out of 100, Moderate | $27.9M | 22.2% | 2.65% | vs |
| Community Plus Federal Credit UnionCredit union Rantoul, IL | 90 out of 100, Very strong | $28.1M | 18.4% | 0.51% | vs |
| Elite Community Credit UnionCredit union Bourbonnais, IL | 63 out of 100, Moderate | $26.5M | 8.8% | 0.58% | vs |
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| Kaskaskia Valley Community Credit UnionCredit union Centralia, IL | 49 out of 100, Below average | $29.4M | 7.9% | 1.13% | vs |
| Central Illinois Credit UnionCredit union Champaign, IL | 69 out of 100, Moderate | $26.1M | 12.3% | 1.85% | vs |
Deposit insurance
Is my money safe at 2 Rivers Area Credit Union?
Yes. 2 Rivers Area Credit Union is a federally insured credit union (NCUA charter #62827). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.4% of shares and deposits ($1.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 10.68%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
2 Rivers Area Credit Union lists 1 office in 1 city. Most locations:
- Kankakee, IL (1)
Identity & history
Profile
- Legal name
- 2 Rivers Area Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62827
- RSSD ID
- 873295
- Primary regulator
- State + NCUA
- Established
- 1951
- Headquarters
- 296 W Jeffery St, Kankakee, IL 60901
- Employees
- 7
Quick answers
2 Rivers Area Credit Union: common questions
Is 2 Rivers Area Credit Union NCUA insured?
Yes. 2 Rivers Area Credit Union is a federally insured credit union (NCUA charter #62827). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is 2 Rivers Area Credit Union's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does 2 Rivers Area Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Kankakee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL | 96 out of 100, Very strong | $337.1M | 16.1% | 0.03% | vs |
| Vermilion Valley BankBank Piper City, IL | 96 out of 100, Very strong | $198.2M | 16.7% | 0.03% | vs |
| Municipal Trust and Savings BankBank Bourbonnais, IL | 95 out of 100, Very strong | $382.2M | 15.6% | 0.04% | vs |
| First Community Bank and TrustBank Beecher, IL | 91 out of 100, Very strong | $201.7M | 13.5% | 0.00% | vs |
| Grundy BankBank Morris, IL | 85 out of 100, Very strong | $504.7M | 12.6% | 0.20% | vs |
| Fieldstone Credit UnionCredit union Bradley, IL | 84 out of 100, Strong | $61.7M | 14.0% | 0.69% | vs |