Credit union
University of Illinois Community Credit Union
Champaign, Illinois, Champaign County, IL
$765M in total assets and 65,320 members, the 585th largest of 4,298 US credit unions and 17th of 173 headquartered in Illinois.
- NCUA charter
- 60583
- Charter
- State chartered (IL)
- Chartered
- 1932
- NCUA insured since
- 1971
- Low-income designation
- Yes
At a glance
Compared with 32 federally insured credit unions in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $765M | 94% | $287M | |
| Loans | $625M | 94% | $159M | |
| Deposits (shares) | $689M | 91% | $250M | |
| Members | 65,320 | 97% | 17,886 | |
| Return on assets | 1.12% | 69% | 0.74% | |
| Net interest income to assets | 4.34% | 91% | 3.72% | |
| Efficiency ratio | 80.0% | 66% | 74.0% | |
| Net worth ratio | 9.93% | 16% | 11.60% | |
| Loans to shares | 91% | 94% | 74% | |
| Cost of deposits | 1.35% | 41% | 1.51% |
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 9.5% a year over 10 years and 10.7% a year over the last 5, including 6 mergers in the last 10 years. Membership grew 7.5% a year over 5 years, to 65,320.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Sep 2022 | Prairieland Federal Credit Union Credit union, Normal, IL | $90M |
| May 2022 | New Horizon Credit Union Credit union, Danville, IL | $16M |
| Feb 2021 | Canaan Credit Union Credit union, Urbana, IL | $251K |
| Aug 2019 | Champaign Postal Credit Union Credit union, Champaign, IL | $2M |
| May 2019 | Urbana Postal Credit Union Credit union, Urbana, IL | $886K |
| May 2018 | Carle Employees Federal Credit Union Credit union, Urbana, IL | $16M |
| Dec 2010 | Champaign County Employees Credit Union Credit union, Urbana, IL | $339K |
Where they operate
7 branches in 3 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Champaign County, IL | 4 | 4.9% | 6 of 35 |
| Mclean County, IL | 2 | 3.1% | 8 of 36 |
| Vermilion County, IL | 1 | 3.0% | 9 of 19 |
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 | 3 | |
| 2017 | 3 | 0 |
| 2018 | 4 | +1 |
| 2019 | 4 | 0 |
| 2020 | 4 | 0 |
| 2021 | 3 | −1 |
| 2022 | 6 | +3 |
| 2023 | 7 | +1 |
| 2024 | 8 | +1 |
| 2025 | 8 | 0 |
| Jun 2026 | 7 | −1 |
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 | 0.57% | 0.56% |
| Net worth ratio | 9.93% | 11.60% |
| Loans to shares | 91% | 74% |
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 Champaign 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.