RANKING ·
Lowest efficiency ratio in Illinois
53 of 188 credit unions in Illinois that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Alliant Credit Union | Chicago, IL | 39.3% | $20.0 billion |
| 2 | State Farm Federal Credit Union | Bloomington, IL | 39.5% | $5.7 billion |
| 3 | Citizens Equity First Credit Union | Peoria, IL | 52.8% | $8.5 billion |
| 4 | Heartland Credit Union | Springfield, IL | 53.3% | $574 million |
| 5 | First Northern Credit Union | Chicago, IL | 58.0% | $333 million |
| 6 | Midwest Members Credit Union | Wood River, IL | 59.8% | $227 million |
| 7 | Partnership Financial Credit Union | Morton Grove, IL | 60.5% | $403 million |
| 8 | Commonwealth Credit Union | Bourbonnais, IL | 61.8% | $128 million |
| 9 | 1st Midamerica Credit Union | Bethalto, IL | 62.0% | $1.0 billion |
| 10 | Abbott Laboratories Credit Union | Gurnee, IL | 63.8% | $1.1 billion |
| 11 | Consumers Credit Union | Lake Forest, IL | 64.0% | $4.6 billion |
| 12 | Revity Credit Union | Granite City, IL | 64.8% | $527 million |
| 13 | Iaa Credit Union | Bloomington, IL | 66.5% | $415 million |
| 14 | Illinois State Police Federal Credit Union | Springfield, IL | 67.5% | $127 million |
| 15 | I. H. Mississippi Valley Credit Union | Moline, IL | 68.2% | $2.3 billion |
| 16 | Siu Credit Union | Carbondale, IL | 68.9% | $591 million |
| 17 | Gas and Electric Credit Union | Rock Island, IL | 69.0% | $132 million |
| 18 | Illinois Educators Credit Union | Springfield, IL | 69.1% | $120 million |
| 19 | Financial Plus Credit Union | Ottawa, IL | 69.2% | $607 million |
| 20 | A.A.E.C. Credit Union | Arlington Heigh, IL | 69.4% | $119 million |
| 21 | Baxter Credit Union | Vernon Hills, IL | 69.5% | $6.4 billion |
| 22 | Illinois State Credit Union | Normal, IL | 70.3% | $249 million |
| 23 | Earthmover Credit Union | Aurora, IL | 71.0% | $472 million |
| 24 | Cornerstone Credit Union | Freeport, IL | 71.3% | $177 million |
| 25 | Staley Credit Union | Decatur, IL | 71.4% | $228 million |
| 26 | Selfreliance Federal Credit Union | Chicago, IL | 71.8% | $1.2 billion |
| 27 | Catholic & Community Credit Union | Shiloh, IL | 72.0% | $223 million |
| 28 | Scott Credit Union | Edwardsville, IL | 73.5% | $1.9 billion |
| 29 | United Community Credit Union | Quincy, IL | 73.7% | $134 million |
| 30 | Community Trust Credit Union | Gurnee, IL | 73.8% | $336 million |
| 31 | Members "First" Community Credit Union | Quincy, IL | 74.8% | $112 million |
| 32 | National Police Federal Credit Union | Chicago, IL | 75.1% | $621 million |
| 33 | Streator Onized Credit Union | Streator, IL | 75.3% | $423 million |
| 34 | Membersalliance Credit Union | Loves Park, IL | 75.7% | $304 million |
| 35 | Empeople Credit Union | Moline, IL | 76.4% | $2.3 billion |
| 36 | Vibrant Credit Union | Moline, IL | 77.4% | $1.2 billion |
| 37 | Healthcare Associates Credit Union | Lisle, IL | 77.8% | $482 million |
| 38 | Credit Union 1 | Lombard, IL | 78.4% | $2.9 billion |
| 39 | Illiana Financial Credit Union | Calumet City, IL | 79.0% | $264 million |
| 40 | R.I.A. Federal Credit Union | Rock Island, IL | 80.3% | $749 million |
| 41 | Abri Credit Union | Romeoville, IL | 80.8% | $381 million |
| 42 | Dupage Credit Union | Naperville, IL | 81.0% | $600 million |
| 43 | Central Credit Union of Illinois | Bellwood, IL | 81.1% | $123 million |
| 44 | University of Illinois Community Credit Union | Champaign, IL | 81.5% | $765 million |
| 45 | Cooperative Choice Network Credit Union | Peoria, IL | 81.7% | $206 million |
| 46 | Great Lakes Credit Union | Bannockburn, IL | 82.1% | $1.4 billion |
| 47 | Numark Credit Union | Joliet, IL | 82.9% | $932 million |
| 48 | Rock Valley Credit Union | Loves Park, IL | 86.5% | $174 million |
| 49 | Decatur Earthmover Credit Union | Forsyth, IL | 87.7% | $310 million |
| 50 | Land of Lincoln Credit Union | Decatur, IL | 89.1% | $499 million |
| 51 | Landmark Credit Union | Danville, IL | 92.3% | $119 million |
| 52 | Alero Financial Credit Union | Elgin, IL | 94.3% | $954 million |
| 53 | Vicinity Credit Union | Chicago, IL | 115.9% | $204 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings