Federal credit union · Effingham, Illinois · NCUA charter #81553
Effingham Highway
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $5.6M
- Total assets
- 1,011
- Members
- 19.6%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth14
- Liquidity (loan-to-share)80
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 19.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.62% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 2.07% | 15% |
| Member Growth | -3.81% | 15% |
| Loan-to-Share Ratio | 96.60% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Effingham Highway
Charter #81553, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Effingham Highway, a federal credit union in Effingham, Illinois with 1,011 members, $5.6M in total assets, and $4.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 84/100 (Excellent), helped by a net worth ratio of 19.62% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 96.60% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 2.07% on net income of $116K 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 -3.81%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 19.62% 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 19.62% 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.
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.