TellerScore

Credit Union 1 (NCUA charter #68727) is based in Lombard, Illinois. Its Q2 2026 call report shows $2.9B in total assets and $2.4B in member shares and deposits and 50 offices across 9 states.

Based on its Q2 2026 filing, Credit Union 1 scores 68/100, which we describe as moderate. That is higher than 50% of 454 credit unions with $1 billion – $10 billion. Among 188 credit unions headquartered in Illinois, it ranks 126th. Its strongest component is earnings (82/100; 1.56%), and its lowest is loan quality (55/100; 1.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.91%
Loan quality55/100
Loans 60+ days delinquent ÷ total loans: 1.35%
Earnings82/100
Return on assets (annualized): 1.56%
Funding & liquidity80/100
Loans ÷ shares: 80.1% · 1.4% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.44%

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 14 points (54 → 68), mostly because the earnings component improved by 52 points.

TellerScore
546372Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202455
Q4 202454
Q1 202556
Q2 202554
Q3 202559
Q4 202556
Q1 202672
Q2 202668
Net worth ratio
7.00%9.02%11.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.15%
Q3 20249.82%
Q4 202410.40%
Q1 202510.06%
Q2 20259.75%
Q3 202511.04%
Q4 202510.65%
Q1 202610.88%
Q2 202610.91%
Delinquent loans (60+ days)
1.10%1.28%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.11%
Q3 20241.28%
Q4 20241.46%
Q1 20251.23%
Q2 20251.33%
Q3 20251.10%
Q4 20251.29%
Q1 20261.15%
Q2 20261.35%
Return on assets
0.22%1.35%2.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.28%
Q4 20240.22%
Q1 20250.26%
Q2 20250.25%
Q3 20250.27%
Q4 20250.27%
Q1 20262.48%
Q2 20261.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$2.9B10.91%1.35%1.56%80.1%
Q1 202672$2.6B10.88%1.15%2.48%85.7%
Q4 202556$2.3B10.65%1.29%0.27%86.4%
Q3 202559$2.3B11.04%1.10%0.27%84.2%
Q2 202554$1.9B9.75%1.33%0.25%80.9%
Q1 202556$1.9B10.06%1.23%0.26%79.5%
Q4 202454$1.9B10.40%1.46%0.22%84.1%
Q3 202455$1.9B9.82%1.28%0.28%79.6%
Q2 202459$1.7B10.15%1.11%0.39%79.6%

454 peers · $1 billion – $10 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).

Capital ratio10.91%
51st
Problem loans1.35%
14th
Net charge-offs0.54%
47th
Return on assets1.56%
93rd
Loans to deposits80.1%
70th
Uninsured deposits1.4%
97th
Loan-loss reserves0.00%
50th
Texas ratio10.4%
14th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
I. H. Mississippi Valley Credit UnionCredit union Moline, IL61 out of 100, Moderate$2.3B9.1%0.86%vs
Empeople Credit UnionCredit union Moline, IL58 out of 100, Moderate$2.3B8.3%0.59%vs
Scott Credit UnionCredit union Edwardsville, IL71 out of 100, Strong$1.9B10.1%0.54%vs
Great Lakes Credit UnionCredit union Bannockburn, IL52 out of 100, Below average$1.4B9.1%1.26%vs
Vibrant Credit UnionCredit union Moline, IL42 out of 100, Below average$1.2B8.0%1.59%vs
Selfreliance Federal Credit UnionCredit union Chicago, IL71 out of 100, Strong$1.2B12.3%0.92%vs

Deposit insurance

Is my money safe at Credit Union 1?

Yes. Credit Union 1 is a federally insured credit union (NCUA charter #68727). 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 1.4% of shares and deposits ($33.2M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.91%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

50 locations

Branches

Credit Union 1 lists 50 offices in 42 cities across 9 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Credit Union 1
Type
Federally insured state-chartered credit union
NCUA charter #
68727
RSSD ID
430791
Primary regulator
State + NCUA
Established
1958
Headquarters
450 E 22nd St Ste 250, Ste 250, Lombard, IL 60148
Employees
648

Quick answers

Credit Union 1: common questions

Is Credit Union 1 NCUA insured?

Yes. Credit Union 1 is a federally insured credit union (NCUA charter #68727). 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 Credit Union 1's TellerScore?

68 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 Credit Union 1 have?

50 offices as of the latest NCUA data, in 9 states.

Nearby

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