TellerScore

Headquartered in Bourbonnais, Illinois, Elite Community Credit Union is a federally insured state-chartered credit union with $26.5M in total assets and $24.1M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1957.

Elite Community Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 147th. Funding & liquidity contributes the most (98/100, 62% loans-to-deposits, 0% uninsured); capital cushion contributes the least (38/100, 8.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.77%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity98/100
Loans ÷ shares: 62.0% · 0.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.56%

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 3 points (60 → 63), mostly because the funding & liquidity component improved by 10 points.

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202464
Q4 202462
Q1 202562
Q2 202560
Q3 202561
Q4 202563
Q1 202667
Q2 202663
Net worth ratio
7.00%8.46%9.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.09%
Q3 20249.44%
Q4 20248.75%
Q1 20258.79%
Q2 20258.90%
Q3 20259.15%
Q4 20259.93%
Q1 20269.17%
Q2 20268.77%
Delinquent loans (60+ days)
0.26%0.48%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.31%
Q3 20240.26%
Q4 20240.35%
Q1 20250.32%
Q2 20250.62%
Q3 20250.71%
Q4 20250.70%
Q1 20260.45%
Q2 20260.58%
Return on assets
0.17%0.43%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.25%
Q3 20240.30%
Q4 20240.25%
Q1 20250.17%
Q2 20250.28%
Q3 20250.39%
Q4 20250.44%
Q1 20260.70%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$26.5M8.77%0.58%0.49%62.0%
Q1 202667$25.1M9.17%0.45%0.70%67.0%
Q4 202563$22.7M9.93%0.70%0.44%77.7%
Q3 202561$24.4M9.15%0.71%0.39%71.8%
Q2 202560$24.6M8.90%0.62%0.28%72.2%
Q1 202562$24.7M8.79%0.32%0.17%71.4%
Q4 202462$24.7M8.75%0.35%0.25%73.0%
Q3 202464$22.7M9.44%0.26%0.30%80.7%
Q2 202462$23.4M9.09%0.31%0.25%80.0%

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 ratio8.77%
8th
Problem loans0.58%
55th
Net charge-offs0.73%
20th
Return on assets0.49%
41st
Loans to deposits62.0%
45th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio4.6%
32nd

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs
Central Illinois Credit UnionCredit union Champaign, IL69 out of 100, Moderate$26.1M12.3%1.85%vs
2 Rivers Area Credit UnionCredit union Kankakee, IL66 out of 100, Moderate$27.7M10.7%0.78%vs
Chicago Post Office Employees Credit UnionCredit union Chicago, IL63 out of 100, Moderate$27.9M22.2%2.65%vs
Community Plus Federal Credit UnionCredit union Rantoul, IL90 out of 100, Very strong$28.1M18.4%0.51%vs
Western Illinois School Employees Credit UnionCredit union Quincy, IL83 out of 100, Strong$24.0M16.1%0.17%vs

Deposit insurance

Is my money safe at Elite Community Credit Union?

Yes. Elite Community Credit Union is a federally insured credit union (NCUA charter #60304). 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 0.0% of shares and deposits ($0) 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 8.77%, slightly 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

Elite Community Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Elite Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60304
RSSD ID
116198
Primary regulator
State + NCUA
Established
1957
Headquarters
515 S Main St, Bourbonnais, IL 60914
Employees
10

Quick answers

Elite Community Credit Union: common questions

Is Elite Community Credit Union NCUA insured?

Yes. Elite Community Credit Union is a federally insured credit union (NCUA charter #60304). 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 Elite Community Credit Union's TellerScore?

63 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 Elite Community Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bourbonnais

InstitutionScoreAssetsCapitalProblem loansCompare
The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL96 out of 100, Very strong$337.1M16.1%0.03%vs
Municipal Trust and Savings BankBank Bourbonnais, IL95 out of 100, Very strong$382.2M15.6%0.04%vs
First Community Bank and TrustBank Beecher, IL91 out of 100, Very strong$201.7M13.5%0.00%vs
Grundy BankBank Morris, IL85 out of 100, Very strong$504.7M12.6%0.20%vs
Fieldstone Credit UnionCredit union Bradley, IL84 out of 100, Strong$61.7M14.0%0.69%vs
Commonwealth Credit UnionCredit union Bourbonnais, IL83 out of 100, Strong$128.1M13.2%0.43%vs