TellerScore

State Farm Federal Credit Union (NCUA charter #1273) is based in Bloomington, Illinois. Its Q2 2026 call report shows $5.7B in total assets and $5.0B in member shares and deposits and 1 office.

State Farm Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 454 credit unions with $1 billion – $10 billion. Among 188 credit unions headquartered in Illinois, it ranks 76th. Funding & liquidity contributes the most (100/100, 20% loans-to-deposits, 14% uninsured); earnings contributes the least (38/100, 0.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 13.03%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings38/100
Return on assets (annualized): 0.46%
Funding & liquidity100/100
Loans ÷ shares: 20.2% · 13.7% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.43%

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 7 points (86 → 79), mostly because the capital cushion component weakened by 16 points.

TellerScore
798489Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202489
Q3 202489
Q4 202487
Q1 202588
Q2 202586
Q3 202584
Q4 202582
Q1 202681
Q2 202679
Net worth ratio
7.00%11.53%16.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202416.05%
Q3 202416.02%
Q4 202415.90%
Q1 202515.04%
Q2 202514.62%
Q3 202514.24%
Q4 202513.79%
Q1 202613.11%
Q2 202613.03%
Delinquent loans (60+ days)
0.06%0.19%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.08%
Q3 20240.15%
Q4 20240.30%
Q1 20250.06%
Q2 20250.23%
Q3 20250.19%
Q4 20250.24%
Q1 20260.08%
Q2 20260.31%
Return on assets
0.41%0.58%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.70%
Q3 20240.74%
Q4 20240.71%
Q1 20250.59%
Q2 20250.62%
Q3 20250.56%
Q4 20250.51%
Q1 20260.41%
Q2 20260.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$5.7B13.03%0.31%0.46%20.2%
Q1 202681$5.6B13.11%0.08%0.41%20.7%
Q4 202582$5.3B13.79%0.24%0.51%22.6%
Q3 202584$5.1B14.24%0.19%0.56%23.6%
Q2 202586$4.9B14.62%0.23%0.62%24.7%
Q1 202588$4.7B15.04%0.06%0.59%25.6%
Q4 202487$4.4B15.90%0.30%0.71%27.8%
Q3 202489$4.4B16.02%0.15%0.74%28.7%
Q2 202489$4.3B16.05%0.08%0.70%28.9%

454 peers · $1 billion – $10 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 ratio13.03%
80th
Problem loans0.31%
89th
Net charge-offs0.45%
58th
Return on assets0.46%
19th
Loans to deposits20.2%
100th
Uninsured deposits13.7%
18th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
99th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Baxter Credit UnionCredit union Vernon Hills, IL60 out of 100, Moderate$6.4B10.3%0.86%vs
Consumers Credit UnionCredit union lake Forest, IL59 out of 100, Moderate$4.6B9.0%0.86%vs
Citizens Equity First Credit UnionCredit union Peoria, IL71 out of 100, Strong$8.5B11.7%0.96%vs
Credit Union 1Credit union Lombard, IL68 out of 100, Moderate$2.9B10.9%1.35%vs
I. H. Mississippi Valley Credit UnionCredit union Moline, IL61 out of 100, Moderate$2.3B9.1%0.86%vs
Empeople Credit UnionCredit union Moline, IL58 out of 100, Moderate$2.3B8.3%0.59%vs

Deposit insurance

Is my money safe at State Farm Federal Credit Union?

Yes. State Farm Federal Credit Union is a federally insured credit union (NCUA charter #1273). 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 13.7% of shares and deposits ($684.5M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

State Farm Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
State Farm Federal Credit Union
Type
Federal credit union
NCUA charter #
1273
RSSD ID
231176
Primary regulator
NCUA
Established
1936
Headquarters
One State Farm Plaza, SA-1, Bloomington, IL 61710
Employees
137

Quick answers

State Farm Federal Credit Union: common questions

Is State Farm Federal Credit Union NCUA insured?

Yes. State Farm Federal Credit Union is a federally insured credit union (NCUA charter #1273). 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 State Farm Federal 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 State Farm Federal Credit Union have?

1 office as of the latest NCUA data.