SIU
State-Chartered • Carbondale, Illinois • Est. 1938
Quick Facts
- Charter Number
- #60279
- Type
- State-Chartered
- Established
- 1938
- Headquarters
- Carbondale, Illinois 62902
- Address
- P.O. Box 2888
- Branches
- 7
- ATMs
- 8
- Members
- 45,875
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
45,875 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SIU |
|---|---|
| Total Assets | $561.0M |
| Members | 45,875 |
| Loans Outstanding | $387.9M |
| Shares & Deposits | $492.2M |
| Net Worth | $64.9M |
| Net Worth Ratio | 11.57% |
| Loan-to-Share Ratio | 78.8% |
| Delinquency Rate | 0.84% |
| Net Income | +$9,101,673 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
7 locations · 8 ATMs
Corporate Office
Main Office1175 E Main St
Carbondale, IL 62901-3126
East Branch
395 N Giant City Rd
Carbondale, IL 62902-6403
West Branch
1217 W Main St
Carbondale, IL 62901-2225
Marion Branch
2809 Outer Dr
Marion, IL 62959-5252
Metropolis Branch
704 E 5th St Ste 1
Metropolis, IL 62960-2184
Who Can Join SIU?
Membership Type: Community
Membership eligibility for SIU may vary. Contact the credit union directly to confirm qualification requirements.
Contact SIU directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Illinois RankingsFrequently Asked Questions
Yes. SIU is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SIU has 45,875 members and a potential membership field of 510,623 people.
SIU's net worth ratio is 11.57% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.6%, SIU meets this threshold.
SIU operates 7 branch locations and has access to 8 ATMs. The main office is located at 1175 E Main St, Carbondale, IL 62901-3126.
SIU was established in 1938. It is a state-chartered credit union chartered under charter number 60279. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SIU. All financial data is for informational purposes only.