State credit union · Moline, Illinois · NCUA charter #68598
EMPEOPLE
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $2.28B
- Total assets
- 76,715
- Members
- 8.3%
- Net-worth ratio
EMPEOPLE scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.28B; members 76,715; net-worth ratio 8.26%; health rank #2,492 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,492 of 4,374 health · 2025Q4EMPEOPLE · health 82/100 · $2.28B · 2025Q4
- NCUSIF 82/100
- CAMELS 8.3%
- HEALTH 0.54%
- NW 0.23%
- DELQ $2.28B
- ROA 76,715
- ASSETS #2,492/4,374
- MEM COMMUNICATION
- RANK 68598
Call Report peers
EMPEOPLE in the assets neighbourhood
EMPEOPLE's $2.28B assets sit next to COMMUNICATION ($2.29B) 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.
EMPEOPLE 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
82 43rd percentile higher than 43% 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
EMPEOPLE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68598: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where EMPEOPLE diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +9.51 pp (93.41% vs 83.90%).
- Largest lag: Net Worth Ratio at 8.26% vs peer 11.18% (-2.92 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for EMPEOPLE
- Health composite ranks #112 of 192 among scored Illinois credit unions.
- Assets rank #8 of 192 inside Illinois ($2.28B reported).
- Membership ranks #10 of 192 among Illinois CUs with a reported count (76,715 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.
EMPEOPLE: 2025Q4 → 2026Q1
EMPEOPLE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $2.28B (2025Q4) to $2.28B (2026Q1).
- Net-worth ratio shifted +0.12 pp (8.14% → 8.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 25.7 pts
- Delinquency Rate 24.6 pts
- Return on Assets 10.9 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 13.2 pts
EMPEOPLE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.26% | -2.92 pp |
| Delinquency Rate | 0.54% | -0.34 pp |
| Return on Assets | 0.23% | -0.28 pp |
| Member Growth | -0.78% | - |
| Loan-to-Share Ratio | 93.41% | +9.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
EMPEOPLE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.28B | - |
| 2025Q4 | $2.28B | 76,715 |
| 2024Q4 | $2.25B | 77,317 |
| 2023Q4 | $1.99B | 72,971 |
Credit Union Details
- Charter Number
- 68598
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Moline
- Data Quarter
- 2025Q4
Branch Locations (35)
The NCUA branch filing lists 35 physical offices for EMPEOPLE, spread across 24 cities in 7 states.
| Office | City |
|---|---|
| Main Office - Moline (Main Office) | Moline, IL |
| Des Moines Works | Ankeny, IA |
| Bangor | Bangor, ME |
| Biddeford | Biddeford, ME |
| Cary | Cary, NC |
| Davenport Works | Davenport, IA |
| Dubuque Works | Dubuque, IA |
| John Deere Harvester Works | East Moline, IL |
| Fargo | Fargo, ND |
| Fargo | Fargo, ND |
| Fargo | Fargo, ND |
| Fond du Lac | Fond du Lac, WI |
| Turfcare | Fuquay Varina, NC |
| Augusta | Grovetown, GA |
| Grovetown | Grovetown, GA |
| Horicon | Horicon, WI |
| JDF | Johnston, IA |
| Kernersville | Kernersville, NC |
| Lomira | Lomira, WI |
| Mayville | Mayville, WI |
| PDC - Milan | Milan, IL |
| Admin Center | Moline, IL |
| Ottumwa Works | Ottumwa, IA |
| Portland | Portland, ME |
| Munjoy Hill | Portland, ME |
| Scarborough | Scarborough, ME |
| Theresa | Theresa, WI |
| Waterloo Works | Waterloo, IA |
| Waterloo-DTO | Waterloo, IA |
| Waterloo Engine Works | Waterloo, IA |
| Waterloo Foundry | Waterloo, IA |
| Waterloo - SPO | Waterloo, IA |
| Waterloo - PEC | Waterloo, IA |
| Waterloo Micro | Waterloo, IA |
| Infinity Main Branch | Westbrook, ME |
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.
EMPEOPLE nationwide neighbourhoods
Cross-state asset and health neighbours for EMPEOPLE - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.28B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- EMPEOPLE ranks #2,492 of 4,374 nationally on financial health and #112 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I. H. Mississippi Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I. H. Mississippi Valley
- 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 EMPEOPLE financially healthy?
EMPEOPLE scores 82/100 (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 #2,492 of 4,374; by total assets it ranks #234 of 4,374 nationally (same basis as /rankings/largest); and #8 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.26% net worth ratio and a 0.54% delinquency rate.
How does EMPEOPLE compare to other credit unions?
On PlainCU's health composite, EMPEOPLE lands at 82/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 EMPEOPLE?
Membership eligibility for EMPEOPLE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EMPEOPLE directly for current membership requirements and application steps.
Is my money safe at EMPEOPLE?
Federal credit unions like EMPEOPLE 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. EMPEOPLE's net worth ratio of 8.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EMPEOPLE offer compared to banks?
Credit unions like EMPEOPLE 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 EMPEOPLE 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.