Federal credit union · Danville, Illinois · NCUA charter #1969
Education Personnel
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $72.4M
- Total assets
- 4,266
- Members
- 12.0%
- Net-worth ratio
Education Personnel scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $72.4M; members 4,266; net-worth ratio 11.96%; health rank #2,282 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,282 of 4,374 health · 2025Q4Education Personnel · health 83/100 · $72.4M · 2025Q4
- NW 83/100
- DELQ 12.0%
- ROA 1.16%
- ASSETS 0.34%
- MEM $72.4M
- RANK 4,266
- PHOTO #2,282/4,374
- BOOK ALTAMAHA
- CHARTER 1969
Call Report peers
Education Personnel in the assets neighbourhood
Education Personnel's $72.4M assets sit next to ALTAMAHA ($72.4M) 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.
Education Personnel 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
83 46th percentile higher than 46% 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
Education Personnel - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1969 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Education Personnel vs $50M–$100M peers
- Largest lag: Loan-to-Share Ratio at 47.66% vs peer 62.60% (-14.94 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Education Personnel: in-state Call Report ranks
- Health composite ranks #103 of 192 among scored Illinois credit unions.
- By total assets, Education Personnel is #62 of 192 in Illinois.
- Illinois membership ordinal: #72 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.
Quarter path for Education Personnel
Education Personnel: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $72.4M (2025Q4) to $74.8M (2026Q1).
- Net-worth ratio shifted -0.25 pp (12.21% → 11.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.96% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.8 pts
- Return on Assets 12.6 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 10.4 pts
Education Personnel vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.96% | -1.66 pp |
| Delinquency Rate | 1.16% | +0.20 pp |
| Return on Assets | 0.34% | -0.32 pp |
| Member Growth | 1.86% | - |
| Loan-to-Share Ratio | 47.66% | -14.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $74.8M | - |
| 2025Q4 | $72.4M | 4,266 |
| 2024Q4 | $69.5M | 4,188 |
| 2023Q4 | $70.0M | 4,160 |
Credit Union Details
- Charter Number
- 1969
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- Danville
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Education Personnel runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Education Personnel Federal Credit Union (Main Office) | Danville, IL |
| Education Personnel Federal Credit Union | Danville, IL |
| CU Interface | Richfield, OH |
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.
Cross-state Call Report peers for Education Personnel
Cross-state asset and health neighbours for Education Personnel - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($72.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Education Personnel ranks #2,282 of 4,374 nationally on financial health and #103 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- REDBRAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with REDBRAND
- 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 Education Personnel financially healthy?
Education Personnel scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,282 of 4,374; by total assets it ranks #2,111 of 4,374 nationally (same basis as /rankings/largest); and #62 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.96% net worth ratio and a 1.16% delinquency rate.
How does Education Personnel compare to other credit unions?
Five weighted metrics from NCUA filings produce Education Personnel's 83/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Education Personnel?
Education Personnel operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Education Personnel directly for the exact boundaries and application steps.
Is my money safe at Education Personnel?
Federal credit unions like Education Personnel 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. Education Personnel's net worth ratio of 11.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Education Personnel offer compared to banks?
Credit unions like Education Personnel 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 Education Personnel 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.