TellerScore

Headquartered in Chicago, Illinois, For Members Only Federal Credit Union is a federal credit union with $6.3M in total assets and $5.4M in member shares and deposits as of Q2 2026.

For Members Only Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 88th. Problem-loan coverage contributes the most (100/100, 0.0%); earnings contributes the least (39/100, 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.84%
Loan quality—/100
Loans 60+ days delinquent ÷ total loans: —
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity71/100
Loans ÷ shares: 0.0% · 41.8% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 fell 11 points (88 → 77), mostly because the earnings component weakened by 51 points.

TellerScore
778694Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202488
Q4 202491
Q1 202592
Q2 202588
Q3 202591
Q4 202593
Q1 202694
Q2 202677
Net worth ratio
7.00%11.71%16.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.43%
Q3 202414.32%
Q4 202414.88%
Q1 202514.96%
Q2 202514.49%
Q3 202514.52%
Q4 202515.63%
Q1 202616.03%
Q2 202614.84%
Return on assets
0.47%4.05%7.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20247.63%
Q3 20244.22%
Q4 20243.65%
Q1 20253.46%
Q2 20251.75%
Q3 20251.98%
Q4 20253.23%
Q1 20265.17%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$6.3M14.84%—0.47%0.0%
Q1 202694$6.3M16.03%—5.17%0.0%
Q4 202593$5.9M15.63%—3.23%0.0%
Q3 202591$5.6M14.52%—1.98%0.0%
Q2 202588$5.4M14.49%—1.75%0.0%
Q1 202592$5.2M14.96%—3.46%0.0%
Q4 202491$4.9M14.88%—3.65%0.0%
Q3 202488$5.0M14.32%—4.22%0.0%
Q2 202490$4.4M16.43%—7.63%0.0%

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 ratio14.84%
53rd
Problem loans—
—
Net charge-offs—
—
Return on assets0.47%
40th
Loans to deposits0.0%
100th
Uninsured deposits41.8%
0th
Loan-loss reserves—
—
Texas ratio0.0%
93rd

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Peoria City Employees Credit UnionCredit union Peoria, IL79 out of 100, Strong$6.4M21.2%1.66%vs
Decatur Postal Credit UnionCredit union Decatur, IL63 out of 100, Moderate$6.4M22.7%2.90%vs
Molex Employees Federal Credit UnionCredit union Lisle, IL84 out of 100, Strong$6.5M18.4%0.47%vs
Peoria Hiway Credit UnionCredit union Peoria, IL85 out of 100, Very strong$6.6M13.7%0.14%vs
Peoria Bell Credit UnionCredit union Peoria, IL75 out of 100, Strong$6.0M42.6%0.00%vs
State Employees Community Credit UnionCredit union Alton, IL89 out of 100, Very strong$6.7M20.0%0.00%vs

Deposit insurance

Is my money safe at For Members Only Federal Credit Union?

Yes. For Members Only Federal Credit Union is a federally insured credit union (NCUA charter #24946). 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 41.8% of shares and deposits ($2.2M) 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 14.84%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
For Members Only Federal Credit Union
Type
Federal credit union
NCUA charter #
24946
RSSD ID
5861747
Primary regulator
NCUA
Established
2023
Headquarters
5656 S Stony Island Ave, Chicago, IL 60637
Employees
2

Quick answers

For Members Only Federal Credit Union: common questions

Is For Members Only Federal Credit Union NCUA insured?

Yes. For Members Only Federal Credit Union is a federally insured credit union (NCUA charter #24946). 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 For Members Only Federal Credit Union's TellerScore?

77 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.