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
- ASSETS 88/100
- MEM 20.4%
- RANK 0.54%
- PHOTO 0.68%
- BOOK $31.9M
- CHARTER 2,341
- NCUSIF #1,382/4,374
- CAMELS Korean American Catholics
- HEALTH 62500
Call Report peers
Area Educational in the assets neighbourhood
Area Educational's $31.9M assets sit next to Korean American Catholics ($31.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Area Educational - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62500, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Area Educational: 2025Q4 → 2026Q1
Area Educational: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $31.9M (2025Q4) to $33.2M (2026Q1).
- Net-worth ratio shifted -0.41 pp (20.82% → 20.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Area Educational, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Area Educational financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Area Educational's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,382 of 4,374; by total assets it ranks #2,803 of 4,374 nationally (same basis as /rankings/largest); and #86 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.41% net worth ratio and 0.54% delinquency rate are the key drivers.
How does Area Educational compare to other credit unions?
88/100 is Area Educational's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Area Educational are 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."
What rates does Area Educational offer compared to banks?
Credit unions like Area Educational are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Area Educational directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.