State credit union · CHAMPAIGN, Illinois · NCUA charter #60627
Clifford-Jacobs Employees
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $1.1M
- Total assets
- 159
- Members
- 55.4%
- Net-worth ratio
Clifford-Jacobs Employees scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.1M; members 159; net-worth ratio 55.39%; health rank #3,567 of 4,374; healthier than 17th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,567 of 4,374 health · 2025Q4Clifford-Jacobs Employees · health 70/100 · $1.1M · 2025Q4
- PHOTO 70/100
- BOOK 55.4%
- CHARTER 0.00%
- NCUSIF 3.26%
- CAMELS $1.1M
- HEALTH 159
- NW #3,567/4,374
- DELQ n/a
- ROA 60627
Call Report peers
Clifford-Jacobs Employees carries $1.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Clifford-Jacobs Employees 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
70 17th percentile higher than 17% 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
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.
Peer-gap read for Clifford-Jacobs Employees
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +90.40 pp (143.10% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Clifford-Jacobs Employees sits in Illinois
- Health composite ranks #156 of 192 among scored Illinois credit unions.
- Illinois assets place: #170 of 192.
- Membership ranks #182 of 192 among Illinois CUs with a reported count (159 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Clifford-Jacobs Employees
Clifford-Jacobs Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $1.1M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted -1.74 pp (57.13% → 55.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
55.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 0.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 55.39% | +32.46 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 3.26% | +3.03 pp |
| Member Growth | -10.67% | - |
| Loan-to-Share Ratio | 143.10% | +90.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Clifford-Jacobs Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.2M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Clifford-Jacobs Employees runs 2 offices.
| Office | City |
|---|---|
| CLIFFORD JACOBS EMPLOYEE CREDIT UNION (Main Office) | CHAMPAIGN, IL |
| CLIFFORD-JACOBS FORGING | CHAMPAIGN, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Cross-state Call Report peers for Clifford-Jacobs Employees
Clifford-Jacobs Employees's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Clifford-Jacobs Employees ranks #3,567 of 4,374 nationally on financial health and #156 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ethicon Suture is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ethicon Suture
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,567 of 4,374; by total assets it ranks #4,215 of 4,374 nationally (same basis as /rankings/largest); and #170 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 55.39% 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 55.39% 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.
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.