Credit union
Consumers Credit Union
Lake Forest, Illinois, Lake County, IL
$4.6B in total assets and 287,338 members, the 102nd largest of 4,298 US credit unions and 5th of 173 headquartered in Illinois.
- NCUA charter
- 68588
- Charter
- State chartered (IL)
- Chartered
- 1970
- NCUA insured since
- 2008
- Website
- http://www.myconsumers.org
At a glance
Compared with 11 federally insured credit unions in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.6B | 73% | $2.3B | |
| Loans | $3.2B | 82% | $1.3B | |
| Deposits (shares) | $3.7B | 73% | $2.0B | |
| Members | 287,338 | 82% | 113,388 | |
| Return on assets | 0.76% | 54% | 0.74% | |
| Net interest income to assets | 3.34% | 36% | 3.47% | |
| Efficiency ratio | 69.7% | 46% | 70.3% | |
| Net worth ratio | 8.96% | 18% | 10.25% | |
| Loans to shares | 86% | 36% | 90% | |
| Cost of deposits | 1.88% | 36% | 2.00% |
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 17.5% a year over 10 years and 10.4% a year over the last 5, including 6 mergers in the last 10 years. Membership grew 9.3% a year over 5 years, to 287,338.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Dec 2024 | KANE County Teachers Credit Union Credit union, Elgin, IL | $464M |
| Oct 2024 | Rockford Bell Credit Union Credit union, Loves Park, IL | $36M |
| Jun 2020 | Andigo Credit Union Credit union, Schaumburg, IL | $868M |
| Dec 2019 | Waukegan Municipal Employees Credit Union Credit union, Waukegan, IL | $1M |
| Dec 2017 | Meadows Credit Union Credit union, Palatine, IL | $118M |
| Jul 2017 | Encore Federal Credit Union Credit union, Des Plaines, IL | $33M |
| Nov 2015 | Premier Credit Union Credit union, Palatine, IL | $183M |
Where they operate
25 branches in 7 counties.
1 of 25 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Lake County, IL | 9 | 4.5% | 8 of 41 |
| Kane County, IL | 8 | 5.9% | 5 of 41 |
| Cook County, IL | 4 | 0.3% | 45 of 171 |
| Dupage County, IL | 1 | 0.4% | 32 of 58 |
| Mchenry County, IL | 1 | 1.1% | 19 of 31 |
| Ogle County, IL | 1 | 4.3% | 6 of 14 |
| Winnebago County, IL | 1 | 1.2% | 19 of 31 |
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 | 10 | |
| 2017 | 12 | +2 |
| 2018 | 12 | 0 |
| 2019 | 12 | 0 |
| 2020 | 19 | +7 |
| 2021 | 18 | −1 |
| 2022 | 17 | −1 |
| 2023 | 16 | −1 |
| 2024 | 22 | +6 |
| 2025 | 25 | +3 |
| Jun 2026 | 25 | 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 | 0.86% | 0.92% |
| Net worth ratio | 8.96% | 10.25% |
| Loans to shares | 86% | 90% |
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 Lake 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.