Credit unionNot federally insured
Access Credit Union
Broadview, Illinois, Cook County, IL
$58M in total assets and 4,804 members, the 2,280th largest of 4,298 US credit unions and 68th of 174 headquartered in Illinois.
- NCUA charter
- 97097
- Charter
- State chartered, not federally insured
Earlier filings under Access Credit Union (charter 68368), before a charter conversion, are included in the history below.
At a glance
Compared with 63 federally insured credit unions in Illinois with under $100 million in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $58M | 81% | $28M | |
| Loans | $30M | 82% | $13M | |
| Deposits (shares) | $50M | 81% | $24M | |
| Members | 4,804 | 86% | 2,382 | |
| Return on assets | 0.32% | 18% | 0.88% | |
| Net interest income to assets | 4.35% | 78% | 3.93% | |
| Efficiency ratio | 87.1% | 79% | 77.4% | |
| Net worth ratio | 13.96% | 54% | 13.85% | |
| Loans to shares | 60% | 56% | 59% | |
| Cost of deposits | 0.43% | 16% | 0.94% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 0.7% a year over 10 years but fell 1.6% a year over the last 5, without mergers. Membership fell 2.4% a year over 5 years, to 4,804.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Jan 2012 | Alliance Financial Credit Union Credit union, River Forest, IL | $6M |
Where they operate
1 branch in 1 county.
1 of 1 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Cook County, IL | 1 | 0.1% | 87 of 171 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 2 | |
| 2017 | 2 | 0 |
| 2018 | 1 | −1 |
| 2019 | 1 | 0 |
| 2020 | 1 | 0 |
| 2021 | 1 | 0 |
| 2022 | 1 | 0 |
| 2023 | 1 | 0 |
| 2024 | 1 | 0 |
| 2025 | 1 | 0 |
| Jun 2026 | 1 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.25% | 0.55% |
| Net worth ratio | 13.96% | 13.85% |
| Loans to shares | 60% | 59% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Illinois
Most branches in Cook County, IL
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.