TellerScore

Illinois State Credit Union (NCUA charter #64920) is based in Normal, Illinois. Its Q2 2026 call report shows $248.6M in total assets and $219.3M in member shares and deposits and 4 offices.

Illinois State Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 122nd. Problem-loan coverage contributes the most (92/100, 4.0%); capital cushion contributes the least (57/100, 10.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.74%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity70/100
Loans ÷ shares: 90.2% · 1.6% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.03%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 69).

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202465
Q4 202466
Q1 202567
Q2 202568
Q3 202566
Q4 202568
Q1 202670
Q2 202669
Net worth ratio
7.00%9.06%11.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.05%
Q3 202411.12%
Q4 202410.89%
Q1 202510.39%
Q2 202510.73%
Q3 202510.94%
Q4 202510.54%
Q1 202610.35%
Q2 202610.74%
Delinquent loans (60+ days)
0.43%0.81%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.83%
Q3 20241.18%
Q4 20240.58%
Q1 20250.55%
Q2 20250.52%
Q3 20250.62%
Q4 20250.43%
Q1 20260.46%
Q2 20260.54%
Return on assets
0.46%0.73%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.80%
Q4 20240.46%
Q1 20250.57%
Q2 20250.70%
Q3 20250.63%
Q4 20250.67%
Q1 20261.00%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$248.6M10.74%0.54%0.97%90.2%
Q1 202670$252.6M10.35%0.46%1.00%83.8%
Q4 202568$242.1M10.54%0.43%0.67%84.7%
Q3 202566$228.2M10.94%0.62%0.63%89.2%
Q2 202568$230.1M10.73%0.52%0.70%85.7%
Q1 202567$233.0M10.39%0.55%0.57%80.6%
Q4 202466$219.2M10.89%0.58%0.46%85.1%
Q3 202465$213.8M11.12%1.18%0.80%78.9%
Q2 202467$210.8M11.05%0.83%0.75%79.4%

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 ratio10.74%
40th
Problem loans0.54%
61st
Net charge-offs0.65%
23rd
Return on assets0.97%
64th
Loans to deposits90.2%
17th
Uninsured deposits1.6%
92nd
Loan-loss reserves0.00%
50th
Texas ratio4.0%
51st

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Illiana Financial Credit UnionCredit union Calumet City, IL75 out of 100, Strong$264.2M17.4%1.34%vs
Staley Credit UnionCredit union Decatur, IL80 out of 100, Strong$228.5M11.8%0.13%vs
Midwest Members Credit UnionCredit union Wood River, IL85 out of 100, Very strong$226.6M13.6%0.44%vs
Catholic & Community Credit UnionCredit union Shiloh, IL74 out of 100, Strong$222.7M10.2%0.13%vs
Cooperative Choice NetworkCredit union Peoria, IL76 out of 100, Strong$205.9M12.7%0.37%vs
Vicinity Credit UnionCredit union Chicago, IL53 out of 100, Below average$203.9M8.2%0.92%vs

Deposit insurance

Is my money safe at Illinois State Credit Union?

Yes. Illinois State Credit Union is a federally insured credit union (NCUA charter #64920). 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 1.6% of shares and deposits ($3.5M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.74%, 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

Illinois State Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Illinois State Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64920
RSSD ID
35392
Primary regulator
State + NCUA
Established
1960
Headquarters
1309 S Center, Normal, IL 61761
Employees
64

Quick answers

Illinois State Credit Union: common questions

Is Illinois State Credit Union NCUA insured?

Yes. Illinois State Credit Union is a federally insured credit union (NCUA charter #64920). 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 Illinois State Credit Union's TellerScore?

69 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 Illinois State Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Normal

InstitutionScoreAssetsCapitalProblem loansCompare
Country Trust BankBank Bloomington, IL93 out of 100, Very strong$42.3M78.7%0.00%vs
Bloomington Municipal Credit UnionCredit union Bloomington, IL87 out of 100, Very strong$45.7M13.5%0.10%vs
Iaa Credit UnionCredit union Bloomington, IL84 out of 100, Strong$415.0M14.0%0.47%vs
Peoples State Bank of ColfaxBank Colfax, IL84 out of 100, Strong$49.5M11.7%0.00%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs