SIU Credit Union is headquartered in Carbondale and is the 21st largest credit union in the state of Illinois. It is also the 722nd largest credit union in the nation. It was established in 1938 and as of March of 2025, it had grown to 99 employees and 44,093 members at 7 locations. SIU Credit Union has an A+ health rating.
Field of Membership Restrictions
SIU Credit Union offers membership to those who work or live in the Illinois counties of Alexander, Clinton, Edwards, Franklin, Gallatin, Hamilton, Hardin, Jackson, Jefferson, Johnson, Marion, Massac, Monroe, Perry, Pope, Pulaski, Randolph, Saline, Wabash, Washington, Wayne, White, Williamson, or Union.
See current membership details
Behind The Times
I've had 4 credit union experiences, and SIU is the most archaic of all.
1. they only process mobile deposits one day a week.
2. Goverment checks...i.e. Soc. Sec. are not credited the day of receipt.
3. Overdraft charges, even though they will take funds from your savings to cover the difference, they will still charge you a fee.
4. Not open on weekends.
They are behind the times... this is 2023... you would think they would get with it.
NONE of the other Credit unions I had/have do not charge you for the overdraft.... and then they send you a letter threatening you with collections if you cannot settle the overdraft... for a whole $20.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 60279 |
| Year Chartered | 1938 |
| Employees | 99 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.92% |
| Return on Equity - YTD | 8.22% |
| Annual Interest Income | $6.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $527.5MM$496.8MM |
| Loans | Q1 2025vs Q1 2024 | $343.2MM$326.8MM |
| Deposits | Q1 2025vs Q1 2024 | $465.2MM$439.7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $58.1MM$50.8MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.3MM$2.2MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $1.3MM$1.5MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |