What is CONSUMERS's financial health grade?

CONSUMERS has a TFS Financial Health Grade of D (score: 55.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does CONSUMERS have?

CONSUMERS has 25 branch locations across the United States.

Is CONSUMERS NCUA insured?

Yes, CONSUMERS is insured by the NCUA (Charter #68588).

What are the total assets of CONSUMERS?

CONSUMERS has total assets of $4.6B as reported in its most recent filing.

CONSUMERS: TFS Grade & Financial Health

Credit Unionlake Forest, Illinois

Compare CONSUMERSCD withdrawal tools

Total Assets

$4.6B

Total Deposits

$3.6B

Branches

Established

1930

CONSUMERS is a credit union headquartered in lake Forest, Illinois, established in 1930. It holds $4.6B in total assets across 25 branch locations. In our editorial opinion, based on public FDIC/NCUA data, CONSUMERS earns a TFS Financial Health Grade of D (55.4/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

55.4 / 100

Below average financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Net Worth Ratio

8.80%(7%)

60+ Day Delinquency Ratio

0.91%

Profitability

Return on Assets (ROA)

0.23%(1%)

Return on Equity (ROE)

2.70%(10%)

Net Interest Margin—

Efficiency Ratio—

Lending & Liquidity

Total Loans

$3.1B

Loan-to-Deposit Ratio

85.36%

Net Charge-Off Ratio

0.93%

Growth

Asset Growth (YoY)—

Other credit unions in Illinois

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The Northern Trust Company

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CIBC Bank USA

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$66.5B

ALLIANT

Branch	Address	City	State	Type
Lake Forest Admin BuildingHQ	300 N Field Dr	lake Forest	IL	Full Service
Arlington Heights	950 E Rand Rd	Arlington Heights	IL	Full Service
Aurora Branch	320 E INDIAN TRL	AURORA	IL	Full Service
Carol Stream	426 W Army Trail Rd	Carol Stream	IL	Full Service
Village Fresh Market-Carpentersville	350 LAKE MARIAN RD	CARPENTERSVILLE	IL	Full Service
Deer Park	21440 W Lake Cook Rd	Deer Park	IL	Full Service
Elgin Branch	111 S HAWTHORNE ST	ELGIN	IL	Full Service
Elgin Community College	1700 SPARTAN DR	ELGIN	IL	Full Service
Elgin Mental Health Center	750 S STATE ST	ELGIN	IL	Full Service
Gail Borden-Elgin Public Library	270 N GROVE AVE	ELGIN	IL	Full Service
Geneva Branch	28 N 5TH ST	GENEVA	IL	Full Service
Gurnee	4946 Grand Ave	Gurnee	IL	Full Service
Kildeer Service Center	20413 N Rand Rd	Kildeer	IL	Full Service
Lake in the Hills	2450 W Algonquin Rd	Lake in the Hills	IL	Full Service
Loves Park Branch	4225 N Perryville Rd	Loves Park	IL	Full Service
Mt. Morris Branch	4 E Main St	Mount Morris	IL	Full Service
Mundelein	1210 S Lake St	Mundelein	IL	Full Service
Northbrook Branch	1334 Shermer Rd	Northbrook	IL	Full Service
Round Lake Beach	2626 N Il Route 83	Round Lake Beach	IL	Full Service
Meacham	1310 N Meacham Rd	Schaumburg	IL	Full Service
Gail Borden - South Elgin-Aurora Public Library	121 S MCLEAN BLVD	SOUTH ELGIN	IL	Full Service
Streamwood	990 S Barrington Rd	Streamwood	IL	Full Service
Volo	195 E Il Route 120	Volo	IL	Full Service
N. Waukegan	3737 N Lewis Ave	Waukegan	IL	Full Service
Waukegan	2750 Washington St	Waukegan	IL	Full Service

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No institution-level regulatory actions are currently published in TFS's exact-ID registry. Coverage is curated and this does not prove that no action exists.

Institution Details

Institution TypeCredit Union

NCUA Charter #68588

FDIC/NCUA InsuredYes

Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.

Same-period peer analysis · 2026-Q1

CONSUMERS compared with similar credit unions

Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.

Choose another

TFS health score

55.4

worse than peers

13th percentileMedian 71.1

Net worth ratio

8.80%

worse than peers

15th percentileMedian 10.71%

Return on assets

0.23%

worse than peers