Federal credit union · Effingham, Illinois · NCUA charter #81553
Effingham Highway
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $5.6M
- Total assets
- 1,011
- Members
- 19.5%
- Net-worth ratio
Effingham Highway scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 1,011; net-worth ratio 19.49%; health rank #2,054 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,054 of 4,374 health · 2025Q4Effingham Highway · health 84/100 · $5.6M · 2025Q4
- MEM 84/100
- RANK 19.5%
- PHOTO 0.00%
- BOOK 2.07%
- CHARTER $5.6M
- NCUSIF 1,011
- CAMELS #2,054/4,374
- HEALTH n/a
- NW 81553
Call Report peers
Effingham Highway carries $5.6M 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.
Effingham Highway 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
84 Top 50% higher than 50% 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
Effingham Highway - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #81553. See our deposit-insurance coverage note.
Effingham Highway: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 96.60% vs peer 63.60% (+33.00 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Effingham Highway sits in Illinois
- Health composite ranks #91 of 192 among scored Illinois credit unions.
- Illinois assets place: #139 of 192.
- Membership ranks #130 of 192 among Illinois CUs with a reported count (1,011 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 Effingham Highway
Effingham Highway: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $5.6M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted -0.13 pp (19.62% → 19.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 19.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 11.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.49% | +0.43 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 2.07% | +1.61 pp |
| Member Growth | -3.81% | - |
| Loan-to-Share Ratio | 96.60% | +33.00 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Effingham Highway quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.8M | - |
| 2025Q4 | $5.6M | 1,011 |
| 2024Q4 | $5.7M | 1,051 |
| 2023Q4 | $5.7M | 1,049 |
Credit Union Details
- Charter Number
- 81553
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Effingham
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Effingham Highway runs one office.
| Office | City |
|---|---|
| Effingham Highway Credit Union (Main Office) | Effingham, 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.
Other-state peers near Effingham Highway
Effingham Highway'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 (84/100 here).
Using this data
- Effingham Highway ranks #2,054 of 4,374 nationally on financial health and #91 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Carbondale Highway is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Carbondale Highway
- 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 Effingham Highway financially healthy?
Effingham Highway has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,054 of 4,374; by total assets it ranks #3,825 of 4,374 nationally (same basis as /rankings/largest); and #139 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 19.49% and delinquency rate of 0.00%.
How does Effingham Highway compare to other credit unions?
PlainCU's health composite puts Effingham Highway at 84/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Effingham Highway?
Membership eligibility for Effingham Highway depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Effingham Highway directly for current membership requirements and application steps.
Is my money safe at Effingham Highway?
Federal credit unions like Effingham Highway 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. Effingham Highway's net worth ratio of 19.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Effingham Highway offer compared to banks?
Credit unions like Effingham Highway 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 Effingham Highway 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.