Headquartered in Peru, Illinois, Illinois Valley Credit Union is a federally insured state-chartered credit union with $36.3M in total assets and $32.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1955.
Based on its Q2 2026 filing, Illinois Valley Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 166th. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is earnings (0/100; -2.12%).
TellerScore · Q2 2026
Scorecard
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 4 points (62 → 58), mostly because the earnings component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 79 |
| Q4 2024 | 75 |
| Q1 2025 | 58 |
| Q2 2025 | 62 |
| Q3 2025 | 58 |
| Q4 2025 | 63 |
| Q1 2026 | 47 |
| Q2 2026 | 58 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.29% |
| Q3 2024 | 10.37% |
| Q4 2024 | 10.58% |
| Q1 2025 | 10.60% |
| Q2 2025 | 10.26% |
| Q3 2025 | 10.02% |
| Q4 2025 | 10.00% |
| Q1 2026 | 9.94% |
| Q2 2026 | 10.12% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.35% |
| Q1 2026 | 1.53% |
| Q2 2026 | 0.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 1.91% |
| Q4 2024 | 2.03% |
| Q1 2025 | -0.25% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.10% |
| Q1 2026 | -3.59% |
| Q2 2026 | -2.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $36.3M | 10.12% | 0.34% | -2.12% | 85.6% |
| Q1 2026 | 47 | $37.5M | 9.94% | 1.53% | -3.59% | 81.2% |
| Q4 2025 | 63 | $37.4M | 10.00% | 0.35% | 0.10% | 82.8% |
| Q3 2025 | 58 | $37.2M | 10.02% | 0.84% | 0.10% | 85.2% |
| Q2 2025 | 62 | $37.9M | 10.26% | 0.49% | 0.03% | 82.8% |
| Q1 2025 | 58 | $37.8M | 10.60% | 0.79% | -0.25% | 80.1% |
| Q4 2024 | 75 | $38.3M | 10.58% | 0.87% | 2.03% | 78.7% |
| Q3 2024 | 79 | $39.0M | 10.37% | 0.34% | 1.91% | 79.6% |
| Q2 2024 | 67 | $38.9M | 10.29% | 0.59% | 0.87% | 82.6% |
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).
Similar-size credit unions in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sherwin Williams Emp. Credit UnionCredit union South Holland, IL | 71 out of 100, Strong | $37.0M | 13.6% | 0.94% | vs |
| Service Plus Credit UnionCredit union Moline, IL | 81 out of 100, Strong | $34.7M | 12.3% | 0.46% | vs |
| Canals & Trails Credit UnionCredit union Lockport, IL | 81 out of 100, Strong | $34.2M | 11.1% | 0.23% | vs |
| Area Educational Credit UnionCredit union Mattoon, IL | 87 out of 100, Very strong | $33.7M | 20.4% | 0.92% | vs |
| Blackhawk Area Credit UnionCredit union Savanna, IL | 79 out of 100, Strong | $39.1M | 13.4% | 0.13% | vs |
| Planites Credit UnionCredit union Chicago, IL | 69 out of 100, Moderate | $39.8M | 11.3% | 0.85% | vs |
Deposit insurance
Is my money safe at Illinois Valley Credit Union?
Yes. Illinois Valley Credit Union is a federally insured credit union (NCUA charter #62121). 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 2.7% of shares and deposits ($879K) 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 10.12%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Illinois Valley Credit Union lists 2 offices in 2 cities. Most locations:
- Peru, IL (1)
- Princeton, IL (1)
Identity & history
Profile
- Legal name
- Illinois Valley Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62121
- RSSD ID
- 195791
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- 1311 Shooting Park Rd, Peru, IL 61354
- Employees
- 10
Quick answers
Illinois Valley Credit Union: common questions
Is Illinois Valley Credit Union NCUA insured?
Yes. Illinois Valley Credit Union is a federally insured credit union (NCUA charter #62121). 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 Valley Credit Union's TellerScore?
58 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 Valley Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Peru
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ottawa Hiway Credit UnionCredit union Ottawa, IL | 100 out of 100, Very strong | $16.3M | 16.7% | 0.00% | vs |
| Peru Federal Savings BankBank Peru, IL | 87 out of 100, Very strong | $208.5M | 16.4% | 0.28% | vs |
| Financial Plus Credit UnionCredit union Ottawa, IL | 84 out of 100, Strong | $607.4M | 13.2% | 0.45% | vs |
| Spring Valley City BankBank Spring Valley, IL | 84 out of 100, Strong | $207.0M | 13.9% | 0.18% | vs |
| Streator Onized Credit UnionCredit union Streator, IL | 84 out of 100, Strong | $423.3M | 15.6% | 0.47% | vs |
| North Central BankBank Hennepin, IL | 82 out of 100, Strong | $165.9M | 12.3% | 0.26% | vs |