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.
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NCUA 5300 Call Report Masthead
#2,054 of 4,374 health · 2025Q4Effingham Highway · health 84/100 · $5.6M · 2025Q4
Call Report peers
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Effingham Highway vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Effingham Highway sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Effingham Highway: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 96.60% vs peer 63.60% (+33.00 pp).
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).
- One place up in Illinois, First Northern (#90) scores 85/100, 1 point higher; one place down, Ottawa Hiway (#92) ties at 84/100.
Quarter path for Effingham Highway
Effingham Highway: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $5.6M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted -0.13 pp (19.62% → 19.49%).
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
Effingham Highway gives up 16 points in total. Member Growth costs the most, 12.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Effingham Highway financially healthy?
Effingham Highway has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,054 of 4,374 nationally on health and #91 of 192 in Illinois. Its net worth ratio is 19.49% and its delinquency rate 0.00%.
How does Effingham Highway compare to other credit unions?
Effingham Highway scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (96.60% vs 63.60%).
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?
Effingham Highway is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.