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Illinois Credit Union Performance
How the 190 credit unions based in Illinois are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Illinois's 190 credit unions serve 4,205,338 members and hold $77.14B in combined assets. The median Illinois credit union earned a 0.64% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Illinois credit unions was -0.63%, compared with -0.55% nationally. Median one-year asset growth was 2.58%, compared with 2.78% nationally. So far this year, 2 Illinois credit unions have completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Illinois at a glance
Illinois vs. the United States
System totals are the sum of every credit union based in Illinois. The share column is Illinois's portion of the national figure.
| Measure | Illinois | United States | Illinois share |
|---|---|---|---|
| Credit unions | 190 | 4,335 | 4.4% |
| Members | 4,205,338 | 147,031,529 | 2.9% |
| Residents (population) | 12,710,158 | 340,110,988 | 3.7% |
| Total assets | $77.14B | $2,507.50B | 3.1% |
| Total loans | $53.13B | $1,744.86B | 3.0% |
| Total shares & deposits | $65.53B | $2,143.21B | 3.1% |
| Total net worth | $8.10B | $282.23B | 2.9% |
| Mergers year-to-date | 2 | 27 | — |
Membership reach. Illinois credit unions report about 33 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Illinois credit unions serve members in other states, so it overstates true in-state penetration.)
The median Illinois credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Illinois CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.64% | 0.66% |
| Net worth ratio | 13.71% | 12.44% |
| Loan-to-share ratio | 61.06% | 67.86% |
| Delinquency ratio | 0.56% | 0.63% |
| Net charge-off ratio | 0.32% | 0.33% |
| Cost of funds | 0.83% | 1.05% |
| Member growth (1 yr) | -0.63% | -0.55% |
| Asset growth (1 yr) | 2.58% | 2.78% |
| Loan growth (1 yr) | 0.77% | 0.63% |
| Share growth (1 yr) | 1.89% | 2.36% |
| Net worth growth (1 yr) | 4.99% | 5.57% |
Trends over time
The median Illinois credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.68% · 0.72%
— Illinois ‑‑ U.S.
Net worth ratio 13.71% · 12.46%
— Illinois ‑‑ U.S.
Loan-to-share ratio 63.47% · 69.70%
— Illinois ‑‑ U.S.
Delinquency ratio 0.56% · 0.72%
— Illinois ‑‑ U.S.
Asset growth (1 yr) 3.19% · 3.26%
— Illinois ‑‑ U.S.
Member growth (1 yr) -0.75% · -0.52%
— Illinois ‑‑ U.S.
Illinois leaderboards
Largest by assets
- 1 Alliant Credit Union $19.66B
- 2 CEFCU $8.61B
- 3 Baxter Credit Union $6.50B
- 4 State Farm Credit Union $5.62B
- 5 Consumers Cooperative Credit Union $4.57B
- 6 Credit Union 1 $2.64B
- 7 IH Mississippi Valley Credit Union $2.33B
- 8 Deere Employees Credit Union $2.28B
- 9 Scott Credit Union $1.84B
- 10 Great Lakes Credit Union $1.44B
Highest return on assets
- 1 Credit Union 1 2.87%
- 2 Members "First" Community Credit Union 2.58%
- 3 Galesburg Burlington Credit Union 2.33%
- 4 Utility Employees Credit Union 1.72%
- 5 Select Employees Credit Union 1.68%
- 6 Shell Community Credit Union 1.61%
- 7 Heartland Credit Union 1.60%
- 8 Financial Plus Credit Union 1.57%
- 9 Midwest Operating Engineers Credit Union 1.48%
- 10 Taylorville Community Credit Union 1.47%
Fastest-growing (organic)
- 1 State Farm Credit Union 18.63%
- 2 Moline Municipal Credit Union 14.93%
- 3 Sangamon Schools Credit Union 14.90%
- 4 Riverside Credit Union 12.64%
- 5 Chicago Firefighter's Credit Union 12.53%
- 6 Granite City Steel & Community Credit Union 11.85%
- 7 Acme Continental Credit Union 11.74%
- 8 Gale Credit Union 11.71%
- 9 SIU Credit Union 11.52%
- 10 Members "First" Community Credit Union 9.89%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Illinois that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.