TellerScore

Healthcare Associates Credit Union is a federally insured state-chartered credit union headquartered in Lisle, Illinois, in business for about 47 years. At the end of Q2 2026 it reported $481.6M in total assets and $403.6M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Healthcare Associates Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 111th. Its strongest component is capital cushion (95/100; 14.53%), and its lowest is earnings (38/100; 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Net worth ratio: 14.53%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.16%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity75/100
Loans ÷ shares: 85.0% · 4.9% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.67%

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 9 points (81 → 72), mostly because the loan quality component weakened by 29 points.

TellerScore
727782Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202479
Q4 202482
Q1 202579
Q2 202581
Q3 202579
Q4 202578
Q1 202677
Q2 202672
Net worth ratio
7.00%10.77%14.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.14%
Q3 202413.90%
Q4 202414.28%
Q1 202514.08%
Q2 202514.27%
Q3 202514.48%
Q4 202514.37%
Q1 202614.27%
Q2 202614.53%
Delinquent loans (60+ days)
0.24%0.70%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.33%
Q4 20240.29%
Q1 20250.24%
Q2 20250.29%
Q3 20250.50%
Q4 20250.56%
Q1 20260.58%
Q2 20261.16%
Return on assets
0.42%0.57%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.53%
Q4 20240.73%
Q1 20250.42%
Q2 20250.62%
Q3 20250.62%
Q4 20250.54%
Q1 20260.44%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$481.6M14.53%1.16%0.45%85.0%
Q1 202677$486.4M14.27%0.58%0.44%83.1%
Q4 202578$479.4M14.37%0.56%0.54%84.8%
Q3 202579$473.5M14.48%0.50%0.62%86.5%
Q2 202581$475.5M14.27%0.29%0.62%84.4%
Q1 202579$474.9M14.08%0.24%0.42%81.1%
Q4 202482$464.8M14.28%0.29%0.73%82.0%
Q3 202479$467.3M13.90%0.33%0.53%80.0%
Q2 202480$455.7M14.14%0.34%0.59%80.3%

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 ratio14.53%
82nd
Problem loans1.16%
24th
Net charge-offs0.39%
46th
Return on assets0.45%
27th
Loans to deposits85.0%
28th
Uninsured deposits4.9%
61st
Loan-loss reserves0.00%
50th
Texas ratio5.7%
34th

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Deposit insurance

Is my money safe at Healthcare Associates Credit Union?

Yes. Healthcare Associates Credit Union is a federally insured credit union (NCUA charter #65421). 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 4.9% of shares and deposits ($19.7M) 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 14.53%, 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

Healthcare Associates Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Healthcare Associates Credit Union reported 264 home-loan applications under HMDA (LEI 254900E3R2YX26OH3128): 151 originated ($11,075,000 total), 88 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 36.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Healthcare Associates Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65421
RSSD ID
382096
Primary regulator
State + NCUA
Established
1979
Headquarters
2441 Warrenville Rd Ste 400, Lisle, IL 60532
Employees
62

Quick answers

Healthcare Associates Credit Union: common questions

Is Healthcare Associates Credit Union NCUA insured?

Yes. Healthcare Associates Credit Union is a federally insured credit union (NCUA charter #65421). 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 Healthcare Associates Credit Union's TellerScore?

72 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 Healthcare Associates Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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