Headquartered in Elgin, Illinois, Alero Financial Credit Union is a federally insured state-chartered credit union with $953.5M in total assets and $822.6M in member shares and deposits as of Q2 2026. It operates 16 offices across 5 states. Its charter dates back to 1976.
Based on its Q2 2026 filing, Alero Financial Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 134th. Its strongest component is problem-loan coverage (90/100; 5.1%), and its lowest is earnings (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
From Q2 2025 to Q2 2026, the score rose 2 points (64 → 66), mostly because the earnings component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 81 |
| Q4 2024 | 77 |
| Q1 2025 | 65 |
| Q2 2025 | 64 |
| Q3 2025 | 67 |
| Q4 2025 | 65 |
| Q1 2026 | 64 |
| Q2 2026 | 66 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.58% |
| Q3 2024 | 13.75% |
| Q4 2024 | 13.56% |
| Q1 2025 | 13.08% |
| Q2 2025 | 13.13% |
| Q3 2025 | 13.19% |
| Q4 2025 | 13.45% |
| Q1 2026 | 11.70% |
| Q2 2026 | 11.95% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.94% |
| Q2 2026 | 0.79% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.98% |
| Q3 2024 | 1.20% |
| Q4 2024 | 0.76% |
| Q1 2025 | -0.88% |
| Q2 2025 | -0.35% |
| Q3 2025 | -0.07% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.46% |
| Q2 2026 | 0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $953.5M | 11.95% | 0.79% | 0.35% | 89.2% |
| Q1 2026 | 64 | $969.1M | 11.70% | 0.94% | 0.46% | 90.0% |
| Q4 2025 | 65 | $829.8M | 13.45% | 0.84% | 0.04% | 89.6% |
| Q3 2025 | 67 | $840.3M | 13.19% | 0.64% | -0.07% | 91.7% |
| Q2 2025 | 64 | $836.1M | 13.13% | 0.70% | -0.35% | 90.0% |
| Q1 2025 | 65 | $836.5M | 13.08% | 0.56% | -0.88% | 88.1% |
| Q4 2024 | 77 | $825.2M | 13.56% | 0.47% | 0.76% | 90.5% |
| Q3 2024 | 81 | $821.4M | 13.75% | 0.53% | 1.20% | 88.4% |
| Q2 2024 | 87 | $838.5M | 13.58% | 0.48% | 1.98% | 86.7% |
1,341 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| Numark Credit UnionCredit union Joliet, IL | 59 out of 100, Moderate | $932.2M | 10.2% | 1.30% | vs |
| University of Illinois Community Credit UnionCredit union Champaign, IL | 67 out of 100, Moderate | $765.5M | 9.9% | 0.57% | vs |
| R.I.A. Federal Credit UnionCredit union Rock Island, IL | 62 out of 100, Moderate | $749.1M | 9.9% | 0.70% | vs |
| National Police Federal Credit UnionCredit union Chicago, IL | 63 out of 100, Moderate | $620.7M | 8.9% | 0.77% | vs |
| Financial Plus Credit UnionCredit union Ottawa, IL | 84 out of 100, Strong | $607.4M | 13.2% | 0.45% | vs |
| Dupage Credit UnionCredit union Naperville, IL | 62 out of 100, Moderate | $600.2M | 9.6% | 0.48% | vs |
Deposit insurance
Is my money safe at Alero Financial Credit Union?
Yes. Alero Financial Credit Union is a federally insured credit union (NCUA charter #68215). 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 13.7% of shares and deposits ($112.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 11.95%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
16 locations
Branches
Alero Financial Credit Union lists 16 offices in 15 cities across 5 states. Most locations:
- Elgin, IL (2)
- Arlington Heights, IL (1)
- Bristol, CT (1)
- Burbank, IL (1)
- Crystal Lake, IL (1)
- Healdsburg, CA (1)
- Herndon, VA (1)
- Mount Carmel, IL (1)
- Rohnert Park, CA (1)
- Rolling Meadows, IL (1)
- Santa Rosa, CA (1)
- Sonoma, CA (1)
Identity & history
Profile
- Legal name
- Alero Financial Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68215
- RSSD ID
- 441984
- Primary regulator
- State + NCUA
- Established
- 1976
- Headquarters
- 2075 Big Timber Rd, Elgin, IL 60123
- Employees
- 211
Quick answers
Alero Financial Credit Union: common questions
Is Alero Financial Credit Union NCUA insured?
Yes. Alero Financial Credit Union is a federally insured credit union (NCUA charter #68215). 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 Alero Financial 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 Alero Financial Credit Union have?
16 offices as of the latest NCUA data, in 5 states.
Nearby
Highest-scoring banks and credit unions with branches near Elgin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| Aurora Firefighters' Credit UnionCredit union Aurora, IL | 93 out of 100, Very strong | $2.7M | 16.1% | 0.00% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Earthmover Credit UnionCredit union Aurora, IL | 87 out of 100, Very strong | $471.7M | 19.3% | 0.75% | vs |
| A.A.E.C. Credit UnionCredit union Arlington Heigh, IL | 84 out of 100, Strong | $118.9M | 13.0% | 0.02% | vs |
| Molex Employees Federal Credit UnionCredit union Lisle, IL | 84 out of 100, Strong | $6.5M | 18.4% | 0.47% | vs |