Mea Credit Union is a federally insured state-chartered credit union headquartered in Monticello, Illinois, in business for about 68 years. At the end of Q2 2026 it reported $806K in total assets and $732K in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Mea Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 84th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (41/100; 9.13%).
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 rose 8 points (71 → 79), mostly because the funding & liquidity component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 80 |
| Q4 2024 | 73 |
| Q1 2025 | 80 |
| Q2 2025 | 71 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 78 |
| Q2 2026 | 79 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.48% |
| Q3 2024 | 9.51% |
| Q4 2024 | 8.19% |
| Q1 2025 | 9.10% |
| Q2 2025 | 7.74% |
| Q3 2025 | 8.54% |
| Q4 2025 | 8.82% |
| Q1 2026 | 8.75% |
| Q2 2026 | 9.13% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.83% |
| Q3 2024 | 3.38% |
| Q4 2024 | 1.60% |
| Q1 2025 | 2.03% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.77% |
| Q4 2025 | 1.71% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $806K | 9.13% | 0.00% | 1.64% | 63.6% |
| Q1 2026 | 78 | $806K | 8.75% | 0.00% | 1.77% | 69.9% |
| Q4 2025 | 76 | $760K | 8.82% | 0.00% | 1.71% | 77.5% |
| Q3 2025 | 76 | $749K | 8.54% | 0.00% | 1.77% | 80.2% |
| Q2 2025 | 71 | $778K | 7.74% | 0.00% | 1.61% | 84.7% |
| Q1 2025 | 80 | $629K | 9.10% | 0.00% | 2.03% | 78.6% |
| Q4 2024 | 73 | $660K | 8.19% | 0.00% | 1.60% | 84.7% |
| Q3 2024 | 80 | $625K | 9.51% | 0.00% | 3.38% | 81.2% |
| Q2 2024 | 75 | $576K | 8.48% | 0.00% | 1.83% | 87.1% |
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 |
|---|---|---|---|---|---|
| Smartchoice Credit UnionCredit union Spring Valley, IL | 74 out of 100, Strong | $787K | 30.3% | 1.07% | vs |
| Reavis - Stickney Credit UnionCredit union Burbank, IL | 55 out of 100, Moderate | $850K | 14.2% | 4.57% | vs |
| C T a F C Federal Credit UnionCredit union Chicago, IL | 80 out of 100, Strong | $756K | 16.5% | 0.00% | vs |
| St. Gregory Parish Credit UnionCredit union Chicago, IL | 80 out of 100, Strong | $683K | 23.1% | 0.00% | vs |
| Fellowship Baptist Church Credit UnionCredit union Chicago, IL | 89 out of 100, Very strong | $1.0M | 26.4% | 1.26% | vs |
| St. Mark Credit UnionCredit union Chicago, IL | 71 out of 100, Strong | $472K | 23.2% | 1.11% | vs |
Deposit insurance
Is my money safe at Mea Credit Union?
Yes. Mea Credit Union is a federally insured credit union (NCUA charter #65896). 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 0.0% of shares and deposits ($0) 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 9.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Mea Credit Union lists 1 office in 1 city. Most locations:
- Monticello, IL (1)
Identity & history
Profile
- Legal name
- Mea Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65896
- RSSD ID
- 472296
- Primary regulator
- State + NCUA
- Established
- 1958
- Headquarters
- 2 Sage Dr, Monticello, IL 61856
- Employees
- 1
Quick answers
Mea Credit Union: common questions
Is Mea Credit Union NCUA insured?
Yes. Mea Credit Union is a federally insured credit union (NCUA charter #65896). 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 Mea Credit Union's TellerScore?
79 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 Mea Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Monticello
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings Bank of Champaign UrbanaBank Champaign, IL | 90 out of 100, Very strong | $192.5M | 12.7% | 0.09% | vs |
| Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL | 86 out of 100, Very strong | $1.2M | 55.5% | 0.16% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| Decatur Policemen Credit UnionCredit union Decatur, IL | 85 out of 100, Very strong | $5.3M | 15.0% | 0.44% | vs |
| BankChampaign, National AssociationBank Champaign, IL | 84 out of 100, Strong | $242.8M | 11.8% | 0.00% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |