TellerScore

Financial Plus Credit Union is a federally insured state-chartered credit union headquartered in Ottawa, Illinois, in business for about 75 years. At the end of Q2 2026 it reported $607.4M in total assets and $520.6M in member shares and deposits, with 4 offices.

Financial Plus Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 47th. Problem-loan coverage contributes the most (96/100, 2.2%); earnings contributes the least (79/100, 1.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.24%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings79/100
Return on assets (annualized): 1.48%
Funding & liquidity84/100
Loans ÷ shares: 76.0% · 6.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.22%

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 (81 → 84), mostly because the earnings component improved by 13 points.

TellerScore
798284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202481
Q4 202479
Q1 202580
Q2 202581
Q3 202583
Q4 202582
Q1 202684
Q2 202684
Net worth ratio
7.00%10.22%13.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.91%
Q3 202413.29%
Q4 202412.96%
Q1 202512.65%
Q2 202512.96%
Q3 202513.45%
Q4 202513.09%
Q1 202612.96%
Q2 202613.24%
Delinquent loans (60+ days)
0.40%0.53%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.62%
Q4 20240.66%
Q1 20250.40%
Q2 20250.46%
Q3 20250.45%
Q4 20250.51%
Q1 20260.41%
Q2 20260.45%
Return on assets
1.06%1.28%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.20%
Q3 20241.23%
Q4 20241.09%
Q1 20251.06%
Q2 20251.15%
Q3 20251.30%
Q4 20251.34%
Q1 20261.50%
Q2 20261.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$607.4M13.24%0.45%1.48%76.0%
Q1 202684$603.3M12.96%0.41%1.50%73.7%
Q4 202582$580.2M13.09%0.51%1.34%74.8%
Q3 202583$548.8M13.45%0.45%1.30%78.1%
Q2 202581$553.0M12.96%0.46%1.15%73.3%
Q1 202580$552.9M12.65%0.40%1.06%70.4%
Q4 202479$528.3M12.96%0.66%1.09%72.3%
Q3 202481$509.5M13.29%0.62%1.23%74.4%
Q2 202481$511.8M12.91%0.54%1.20%71.2%

1,341 peers · $100 million – $1 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 ratio13.24%
72nd
Problem loans0.45%
70th
Net charge-offs0.38%
48th
Return on assets1.48%
88th
Loans to deposits76.0%
49th
Uninsured deposits6.4%
45th
Loan-loss reserves0.00%
50th
Texas ratio2.2%
73rd

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Dupage Credit UnionCredit union Naperville, IL62 out of 100, Moderate$600.2M9.6%0.48%vs
National Police Federal Credit UnionCredit union Chicago, IL63 out of 100, Moderate$620.7M8.9%0.77%vs
Siu Credit UnionCredit union Carbondale, IL72 out of 100, Strong$591.3M11.6%0.90%vs
Heartland Credit UnionCredit union Springfield, IL89 out of 100, Very strong$573.7M13.7%0.25%vs
Revity Credit UnionCredit union Granite City, IL74 out of 100, Strong$526.5M10.4%0.43%vs
Land of Lincoln Credit UnionCredit union Decatur, IL58 out of 100, Moderate$498.9M9.8%0.91%vs

Deposit insurance

Is my money safe at Financial Plus Credit Union?

Yes. Financial Plus Credit Union is a federally insured credit union (NCUA charter #61231). 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 6.4% of shares and deposits ($33.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.24%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Financial Plus Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Financial Plus Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61231
RSSD ID
345493
Primary regulator
State + NCUA
Established
1951
Headquarters
800 Chestnut St., Ottawa, IL 61350
Employees
121

Quick answers

Financial Plus Credit Union: common questions

Is Financial Plus Credit Union NCUA insured?

Yes. Financial Plus Credit Union is a federally insured credit union (NCUA charter #61231). 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 Financial Plus Credit Union's TellerScore?

84 out of 100 (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 Financial Plus Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ottawa

InstitutionScoreAssetsCapitalProblem loansCompare
Ottawa Hiway Credit UnionCredit union Ottawa, IL100 out of 100, Very strong$16.3M16.7%0.00%vs
Peru Federal Savings BankBank Peru, IL87 out of 100, Very strong$208.5M16.4%0.28%vs
Streator Onized Credit UnionCredit union Streator, IL84 out of 100, Strong$423.3M15.6%0.47%vs
Spring Valley City BankBank Spring Valley, IL84 out of 100, Strong$207.0M13.9%0.18%vs
North Central BankBank Hennepin, IL82 out of 100, Strong$165.9M12.3%0.26%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs