TellerScore

Community Plus Federal Credit Union is a federal credit union headquartered in Rantoul, Illinois, in business for about 83 years. At the end of Q2 2026 it reported $28.1M in total assets and $22.5M in member shares and deposits, with 1 office.

Community Plus Federal Credit Union has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 23rd. Capital cushion contributes the most (100/100, 18.35%); funding & liquidity contributes the least (67/100, 94% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.35%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.51%
Earnings100/100
Return on assets (annualized): 2.02%
Funding & liquidity67/100
Loans ÷ shares: 93.5% · 4.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.09%

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 4 points (86 → 90), mostly because the earnings component improved by 30 points.

TellerScore
788693Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202484
Q4 202483
Q1 202585
Q2 202586
Q3 202584
Q4 202583
Q1 202693
Q2 202690
Net worth ratio
7.00%12.68%18.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.50%
Q3 202418.35%
Q4 202417.93%
Q1 202517.70%
Q2 202517.94%
Q3 202517.92%
Q4 202518.23%
Q1 202618.12%
Q2 202618.35%
Delinquent loans (60+ days)
0.10%0.31%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.10%
Q4 20240.16%
Q1 20250.30%
Q2 20250.32%
Q3 20250.30%
Q4 20250.40%
Q1 20260.20%
Q2 20260.51%
Return on assets
0.33%1.32%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.81%
Q4 20240.76%
Q1 20251.19%
Q2 20251.24%
Q3 20251.04%
Q4 20251.09%
Q1 20262.32%
Q2 20262.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$28.1M18.35%0.51%2.02%93.5%
Q1 202693$27.8M18.12%0.20%2.32%93.9%
Q4 202583$26.7M18.23%0.40%1.09%98.6%
Q3 202584$26.9M17.92%0.30%1.04%95.9%
Q2 202586$26.6M17.94%0.32%1.24%96.7%
Q1 202585$26.5M17.70%0.30%1.19%96.9%
Q4 202483$25.7M17.93%0.16%0.76%97.7%
Q3 202484$25.2M18.35%0.10%0.81%98.2%
Q2 202478$25.8M17.50%0.41%0.33%90.8%

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 ratio18.35%
71st
Problem loans0.51%
58th
Net charge-offs0.68%
21st
Return on assets2.02%
94th
Loans to deposits93.5%
6th
Uninsured deposits4.1%
27th
Loan-loss reserves0.00%
37th
Texas ratio2.1%
51st

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Chicago Post Office Employees Credit UnionCredit union Chicago, IL63 out of 100, Moderate$27.9M22.2%2.65%vs
2 Rivers Area Credit UnionCredit union Kankakee, IL66 out of 100, Moderate$27.7M10.7%0.78%vs
Kaskaskia Valley Community Credit UnionCredit union Centralia, IL49 out of 100, Below average$29.4M7.9%1.13%vs
Elite Community Credit UnionCredit union Bourbonnais, IL63 out of 100, Moderate$26.5M8.8%0.58%vs
River to River Credit UnionCredit union Vienna, IL97 out of 100, Very strong$29.7M14.7%0.23%vs
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs

Deposit insurance

Is my money safe at Community Plus Federal Credit Union?

Yes. Community Plus Federal Credit Union is a federally insured credit union (NCUA charter #24751). 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 4.1% of shares and deposits ($921K) 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 18.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Community Plus Federal Credit Union lists 1 office in 1 city. Most locations:

  • Rantoul, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Community Plus Federal Credit Union
Type
Federal credit union
NCUA charter #
24751
RSSD ID
1016099
Primary regulator
NCUA
Established
1943
Headquarters
PO Box 255, Rantoul, IL 61866
Employees
10

Quick answers

Community Plus Federal Credit Union: common questions

Is Community Plus Federal Credit Union NCUA insured?

Yes. Community Plus Federal Credit Union is a federally insured credit union (NCUA charter #24751). 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 Community Plus Federal Credit Union's TellerScore?

90 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 Community Plus Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rantoul

InstitutionScoreAssetsCapitalProblem loansCompare
Vermilion Valley BankBank Piper City, IL96 out of 100, Very strong$198.2M16.7%0.03%vs
First Federal Savings Bank of Champaign UrbanaBank Champaign, IL90 out of 100, Very strong$192.5M12.7%0.09%vs
Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL86 out of 100, Very strong$1.2M55.5%0.16%vs
Frederick Community Bank, TheBank Paxton, IL84 out of 100, Strong$196.1M10.4%0.00%vs
BankChampaign, National AssociationBank Champaign, IL84 out of 100, Strong$242.8M11.8%0.00%vs
Anchor State BankBank Anchor, IL84 out of 100, Strong$73.5M12.6%0.00%vs