TellerScore

Headquartered in Bloomington, Illinois, Bloomington Municipal Credit Union is a federally insured state-chartered credit union with $45.7M in total assets and $39.5M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1953.

Bloomington Municipal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 31st. Funding & liquidity contributes the most (100/100, 34% loans-to-deposits, 13% uninsured); earnings contributes the least (61/100, 1.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.50%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.10%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity100/100
Loans ÷ shares: 33.7% · 13.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.21%

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 fell 3 points (90 → 87), mostly because the earnings component weakened by 12 points.

TellerScore
879092Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202492
Q4 202492
Q1 202590
Q2 202590
Q3 202590
Q4 202588
Q1 202688
Q2 202687
Net worth ratio
7.00%10.41%13.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.45%
Q3 202413.81%
Q4 202413.77%
Q1 202513.52%
Q2 202513.47%
Q3 202513.59%
Q4 202513.48%
Q1 202613.52%
Q2 202613.50%
Delinquent loans (60+ days)
0.04%0.10%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.16%
Q4 20240.06%
Q1 20250.05%
Q2 20250.06%
Q3 20250.05%
Q4 20250.15%
Q1 20260.04%
Q2 20260.10%
Return on assets
1.02%1.31%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.59%
Q4 20241.51%
Q1 20251.37%
Q2 20251.33%
Q3 20251.36%
Q4 20251.27%
Q1 20261.12%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$45.7M13.50%0.10%1.02%33.7%
Q1 202688$44.9M13.52%0.04%1.12%33.5%
Q4 202588$44.1M13.48%0.15%1.27%34.2%
Q3 202590$42.8M13.59%0.05%1.36%35.4%
Q2 202590$42.0M13.47%0.06%1.33%34.4%
Q1 202590$40.8M13.52%0.05%1.37%32.9%
Q4 202492$39.1M13.77%0.06%1.51%33.3%
Q3 202492$38.0M13.81%0.16%1.59%34.7%
Q2 202489$37.4M13.45%0.07%1.30%35.7%

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).

Capital ratio13.50%
43rd
Problem loans0.10%
80th
Net charge-offs0.10%
57th
Return on assets1.02%
68th
Loans to deposits33.7%
85th
Uninsured deposits13.0%
4th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
81st

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Fox Valley Credit UnionCredit union Aurora, IL80 out of 100, Strong$45.5M15.8%0.40%vs
Streator Community Credit UnionCredit union Streator, IL80 out of 100, Strong$42.3M11.0%0.43%vs
Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL86 out of 100, Very strong$41.4M13.7%0.09%vs
Planites Credit UnionCredit union Chicago, IL69 out of 100, Moderate$39.8M11.3%0.85%vs
Maroon Financial Credit UnionCredit union Chicago, IL77 out of 100, Strong$51.9M13.9%0.54%vs
Riverside Community Credit UnionCredit union Kankakee, IL69 out of 100, Moderate$52.0M10.9%1.37%vs

Deposit insurance

Is my money safe at Bloomington Municipal Credit Union?

Yes. Bloomington Municipal Credit Union is a federally insured credit union (NCUA charter #63103). 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 13.0% of shares and deposits ($5.1M) 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 13.50%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Bloomington Municipal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bloomington Municipal Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63103
RSSD ID
595298
Primary regulator
State + NCUA
Established
1953
Headquarters
602 S Gridley, Bloomington, IL 61701
Employees
8

Quick answers

Bloomington Municipal Credit Union: common questions

Is Bloomington Municipal Credit Union NCUA insured?

Yes. Bloomington Municipal Credit Union is a federally insured credit union (NCUA charter #63103). 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 Bloomington Municipal Credit Union's TellerScore?

87 out of 100 (Very strong), 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 Bloomington Municipal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Bloomington

InstitutionScoreAssetsCapitalProblem loansCompare
Country Trust BankBank Bloomington, IL93 out of 100, Very strong$42.3M78.7%0.00%vs
Iaa Credit UnionCredit union Bloomington, IL84 out of 100, Strong$415.0M14.0%0.47%vs
Peoples State Bank of ColfaxBank Colfax, IL84 out of 100, Strong$49.5M11.7%0.00%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
Normal City Employees Federal Credit UnionCredit union Normal, IL79 out of 100, Strong$4.5M11.8%0.00%vs