State credit union · CHAMPAIGN, Illinois · NCUA charter #60627
Clifford-jacobs Employees
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $1.1M
- Total assets
- 159
- Members
- 57.1%
- Net-worth ratio
Clifford-jacobs Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60627 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Clifford-jacobs Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)0
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
57.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 57.13% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 3.26% | 15% |
| Member Growth | -10.67% | 15% |
| Loan-to-Share Ratio | 143.10% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.1M | 159 |
| 2024Q4 | $1.2M | 178 |
| 2023Q4 | $1.3M | 182 |
Credit Union Details
- Charter Number
- 60627
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- CHAMPAIGN
- Data Quarter
- 2025Q4
What This Data Says About Clifford-jacobs Employees
Clifford-jacobs Employees is a state credit union headquartered in CHAMPAIGN, Illinois, serving 159 members with $1.1M in total assets and $690K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 70/100 (Very Good), anchored by a net worth ratio of 57.13% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60627 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 143.10% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 3.26% on net income of $37K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -10.67%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Clifford-jacobs Employees financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - Clifford-jacobs Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 57.13% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Clifford-jacobs Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Clifford-jacobs Employees's 70/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Clifford-jacobs Employees?
Membership eligibility for Clifford-jacobs Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Clifford-jacobs Employees directly for current membership requirements and application steps.
Is my money safe at Clifford-jacobs Employees?
Federal credit unions like Clifford-jacobs Employees 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. Clifford-jacobs Employees's net worth ratio of 57.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Clifford-jacobs Employees offer compared to banks?
Credit unions like Clifford-jacobs Employees 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 Clifford-jacobs Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.