Credit union · NCUA insured
IBEW Local 146 Credit Union
A $5.2M credit union headquartered in Decatur, IL, with 652 members and 1 branch in Illinois. Best rates: savings 0.10% APY.
IBEW Local 146 Credit Union Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#12 of 15 in Decatur, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About IBEW Local 146 Credit Union
Founded in 1958 by members of the IBEW Local 146 Union, IBEW Local 146 Credit Union is a member-owned financial cooperative based in Decatur, Illinois.
Serving members of IBEW Local 146 and their families, the credit union is chartered by the State of Illinois.
- Headquarters
- 3390 N Woodford St, Decatur, IL 62526
- NCUA charter
- 65840
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of the IBEW Local 146.
Family and household
- Membership is open to immediate family members of IBEW Local 146 members, limited to the spouse and children (by blood, marriage, or adoption).
Branches
1 branch in Illinois
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Illinois
1 branch
- OfficeMain office3390 N Woodford St, Decatur, IL 62526Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.51% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.80% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $41 | $59 | — |
- CapitalNet worth ratio13.51%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.80%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$41Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of IBEW Local 146 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.