Headquartered in Champaign, Illinois, Central Illinois Credit Union is a federally insured state-chartered credit union with $26.1M in total assets and $22.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1948.
Based on its Q2 2026 filing, Central Illinois Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 125th. Its strongest component is funding & liquidity (100/100; 49% loans-to-deposits, 3% uninsured), and its lowest is loan quality (38/100; 1.85%).
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 17 points (52 → 69), mostly because the earnings component improved by 49 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 63 |
| Q4 2024 | 58 |
| Q1 2025 | 51 |
| Q2 2025 | 52 |
| Q3 2025 | 57 |
| Q4 2025 | 65 |
| Q1 2026 | 68 |
| Q2 2026 | 69 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.39% |
| Q3 2024 | 13.31% |
| Q4 2024 | 12.41% |
| Q1 2025 | 11.45% |
| Q2 2025 | 12.37% |
| Q3 2025 | 12.41% |
| Q4 2025 | 13.25% |
| Q1 2026 | 12.04% |
| Q2 2026 | 12.26% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.86% |
| Q3 2024 | 4.40% |
| Q4 2024 | 4.58% |
| Q1 2025 | 4.70% |
| Q2 2025 | 2.74% |
| Q3 2025 | 2.30% |
| Q4 2025 | 2.09% |
| Q1 2026 | 1.67% |
| Q2 2026 | 1.85% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.69% |
| Q3 2024 | 1.55% |
| Q4 2024 | 1.28% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.61% |
| Q1 2026 | 0.98% |
| Q2 2026 | 1.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $26.1M | 12.26% | 1.85% | 1.25% | 49.5% |
| Q1 2026 | 68 | $25.7M | 12.04% | 1.67% | 0.98% | 52.1% |
| Q4 2025 | 65 | $24.9M | 13.25% | 2.09% | 0.61% | 56.2% |
| Q3 2025 | 57 | $26.1M | 12.41% | 2.30% | 0.28% | 54.4% |
| Q2 2025 | 52 | $25.7M | 12.37% | 2.74% | 0.03% | 51.8% |
| Q1 2025 | 51 | $28.3M | 11.45% | 4.70% | 0.79% | 46.3% |
| Q4 2024 | 58 | $27.3M | 12.41% | 4.58% | 1.28% | 48.4% |
| Q3 2024 | 63 | $25.7M | 13.31% | 4.40% | 1.55% | 51.7% |
| Q2 2024 | 65 | $25.1M | 13.39% | 4.86% | 1.69% | 52.7% |
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).
Similar-size credit unions in Illinois
| 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 |
| Elite Community Credit UnionCredit union Bourbonnais, IL | 63 out of 100, Moderate | $26.5M | 8.8% | 0.58% | vs |
| 2 Rivers Area Credit UnionCredit union Kankakee, IL | 66 out of 100, Moderate | $27.7M | 10.7% | 0.78% | vs |
| 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 |
| Western Illinois School Employees Credit UnionCredit union Quincy, IL | 83 out of 100, Strong | $24.0M | 16.1% | 0.17% | vs |
Deposit insurance
Is my money safe at Central Illinois Credit Union?
Yes. Central Illinois Credit Union is a federally insured credit union (NCUA charter #65186). 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 2.6% of shares and deposits ($596K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.26%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Central Illinois Credit Union lists 2 offices in 2 cities. Most locations:
- Champaign, IL (1)
- Rantoul, IL (1)
Identity & history
Profile
- Legal name
- Central Illinois Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65186
- RSSD ID
- 535490
- Primary regulator
- State + NCUA
- Established
- 1948
- Headquarters
- 2106 W John St, Champaign, IL 61821
- Employees
- 9
Quick answers
Central Illinois Credit Union: common questions
Is Central Illinois Credit Union NCUA insured?
Yes. Central Illinois Credit Union is a federally insured credit union (NCUA charter #65186). 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 Central Illinois Credit Union's TellerScore?
69 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 Central Illinois Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Champaign
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings Bank of Champaign UrbanaBank Champaign, IL | 90 out of 100, Very strong | $192.5M | 12.7% | 0.09% | vs |
| Community Plus Federal Credit UnionCredit union Rantoul, IL | 90 out of 100, Very strong | $28.1M | 18.4% | 0.51% | vs |
| Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL | 86 out of 100, Very strong | $1.2M | 55.5% | 0.16% | vs |
| Villa Grove State BankBank Villa Grove, IL | 86 out of 100, Very strong | $85.9M | 12.2% | 0.00% | vs |
| BankChampaign, National AssociationBank Champaign, IL | 84 out of 100, Strong | $242.8M | 11.8% | 0.00% | vs |
| Bank of RantoulBank Rantoul, IL | 82 out of 100, Strong | $285.8M | 10.8% | 0.00% | vs |