State credit union · MATTOON, Illinois · NCUA charter #62500
Area Educational
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $31.9M
- Total assets
- 2,341
- Members
- 20.4%
- Net-worth ratio
Area Educational scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.9M; members 2,341; net-worth ratio 20.41%; health rank #1,382 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,382 of 4,374 health · 2025Q4Area Educational · health 88/100 · $31.9M · 2025Q4
Call Report peers
Area Educational in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Area Educational vs every NCUA-scored credit union
Area Educational sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Area Educational diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 20.41% vs peer 14.86% (+5.55 pp).
- Largest lag: Loan-to-Share Ratio at 51.26% vs peer 59.80% (-8.54 pp).
Where Area Educational sits in Illinois
- In Illinois, health place is #47 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, Area Educational is #86 of 192 in Illinois.
- Illinois membership ordinal: #95 of 192.
- One place up in Illinois, CONSUMERS (#46) scores 89/100, 1 point higher; one place down, State Employees Community (#48) ties at 88/100.
Area Educational: 2025Q4 → 2026Q1
Area Educational: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $31.9M (2025Q4) to $33.2M (2026Q1).
- Net-worth ratio shifted -0.41 pp (20.82% → 20.41%).
This credit union's 20.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Area Educational gives up 12 points in total. Member Growth costs the most, 7.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 10.5 pts
Area Educational vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.41% | +5.55 pp |
| Delinquency Rate | 0.54% | -0.60 pp |
| Return on Assets | 0.68% | -0.03 pp |
| Member Growth | -0.64% | - |
| Loan-to-Share Ratio | 51.26% | -8.54 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Area Educational quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.2M | - |
| 2025Q4 | $31.9M | 2,341 |
| 2024Q4 | $30.1M | 2,356 |
| 2023Q4 | $29.9M | 2,360 |
Credit Union Details
- Charter Number
- 62500
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- MATTOON
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Area Educational runs one office.
| Office | City |
|---|---|
| AREA EDUCATIONAL CREDIT UNION (Main Office) | MATTOON, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Area Educational nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Area Educational ranks #1,382 of 4,374 nationally on financial health and #47 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Canals & Trails is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Canals & Trails
Frequently Asked Questions
Is Area Educational financially healthy?
On its 2025Q4 NCUA 5300 filing, Area Educational scores 88/100 (Excellent), with a 20.41% net worth ratio and 0.54% of loans delinquent. It ranks #1,382 of 4,374 nationally on health and #47 of 192 in Illinois.
How does Area Educational compare to other credit unions?
Area Educational scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.41% vs 14.86%). Its widest shortfall is loan-to-share ratio (51.26% vs 59.80%).
How can I join Area Educational?
Membership eligibility for Area Educational depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Area Educational directly for current membership requirements and application steps.
Is my money safe at Area Educational?
Area Educational is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Area Educational's net worth ratio of 20.41% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.