TellerScore

Membersalliance Credit Union (NCUA charter #81402) is based in Loves Park, Illinois. Its Q2 2026 call report shows $303.6M in total assets and $271.9M in member shares and deposits and 5 offices.

Membersalliance Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 131st. Problem-loan coverage contributes the most (93/100, 3.5%); capital cushion contributes the least (44/100, 9.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.38%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity83/100
Loans ÷ shares: 77.6% · 0.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.50%

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 (67 → 67).

TellerScore
606468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202463
Q4 202468
Q1 202568
Q2 202567
Q3 202568
Q4 202564
Q1 202664
Q2 202667
Net worth ratio
7.00%8.29%9.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.10%
Q3 20248.55%
Q4 20248.92%
Q1 20258.69%
Q2 20259.32%
Q3 20259.58%
Q4 20259.38%
Q1 20269.02%
Q2 20269.38%
Delinquent loans (60+ days)
0.37%0.47%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.44%
Q4 20240.45%
Q1 20250.37%
Q2 20250.43%
Q3 20250.40%
Q4 20250.56%
Q1 20260.48%
Q2 20260.45%
Return on assets
0.32%0.68%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.32%
Q3 20240.49%
Q4 20241.03%
Q1 20250.95%
Q2 20250.77%
Q3 20250.78%
Q4 20250.65%
Q1 20260.61%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$303.6M9.38%0.45%0.82%77.6%
Q1 202664$307.2M9.02%0.48%0.61%72.8%
Q4 202564$290.1M9.38%0.56%0.65%76.4%
Q3 202568$284.2M9.58%0.40%0.78%75.3%
Q2 202567$286.5M9.32%0.43%0.77%71.8%
Q1 202568$294.5M8.69%0.37%0.95%67.6%
Q4 202468$281.8M8.92%0.45%1.03%70.9%
Q3 202463$274.5M8.55%0.44%0.49%70.7%
Q2 202460$283.1M8.10%0.43%0.32%68.8%

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 ratio9.38%
18th
Problem loans0.45%
70th
Net charge-offs0.39%
47th
Return on assets0.82%
55th
Loans to deposits77.6%
46th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
56th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Decatur Earthmover Credit UnionCredit union Forsyth, IL70 out of 100, Strong$310.3M11.6%0.59%vs
First Northern Credit UnionCredit union Chicago, IL78 out of 100, Strong$333.2M11.3%0.71%vs
Community Trust Credit UnionCredit union Gurnee, IL82 out of 100, Strong$336.4M11.9%0.08%vs
Illiana Financial Credit UnionCredit union Calumet City, IL75 out of 100, Strong$264.2M17.4%1.34%vs
Illinois State Credit UnionCredit union Normal, IL69 out of 100, Moderate$248.6M10.7%0.54%vs
Staley Credit UnionCredit union Decatur, IL80 out of 100, Strong$228.5M11.8%0.13%vs

Deposit insurance

Is my money safe at Membersalliance Credit Union?

Membersalliance Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) 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 9.38%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Membersalliance Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Membersalliance Credit Union
Type
Non-federally insured state credit union
NCUA charter #
81402
RSSD ID
497691
Primary regulator
State + NCUA
Established
1938
Headquarters
5286 Nimtz Rd, Loves Park, IL 61111
Employees
90

Quick answers

Membersalliance Credit Union: common questions

Is Membersalliance Credit Union NCUA insured?

Membersalliance Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Membersalliance Credit Union's TellerScore?

67 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 Membersalliance Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Loves Park

InstitutionScoreAssetsCapitalProblem loansCompare
Generations Credit UnionCredit union Rockford, IL91 out of 100, Very strong$22.4M16.4%0.10%vs
Linxus Credit UnionCredit union Machesney Park, IL91 out of 100, Very strong$17.5M16.2%0.02%vs
Teachers Credit UnionCredit union Beloit, WI81 out of 100, Strong$37.6M12.2%0.16%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
First Northern Credit UnionCredit union Chicago, IL78 out of 100, Strong$333.2M11.3%0.71%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs