Federal credit union · EVERGREEN PARK, Illinois · NCUA charter #24547
Evergreen Park Schools
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $9.8M
- Total assets
- 981
- Members
- 18.7%
- Net-worth ratio
Evergreen Park Schools - Share Insurance Coverage
Charter #24547's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Evergreen Park Schools - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)78
- Member growth67
- Liquidity (loan-to-share)72
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 18.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.72% | 30% |
| Delinquency Rate | 0.09% | 25% |
| Return on Assets | 0.28% | 15% |
| Member Growth | 0.82% | 15% |
| Loan-to-Share Ratio | 51.39% | 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 | $9.8M | 981 |
| 2024Q4 | $10.0M | 973 |
| 2023Q4 | $11.9M | 969 |
Credit Union Details
- Charter Number
- 24547
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- EVERGREEN PARK
- Data Quarter
- 2025Q4
What This Data Says About Evergreen Park Schools
The five-factor composite scores Evergreen Park Schools at 87/100 (Excellent), reflecting a net worth ratio of 18.72% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in EVERGREEN PARK, Illinois, reports 981 members, $9.8M in total assets, and $4.1M in outstanding loans as of Q4 2025 under charter #24547 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Two more numbers round out the picture: a 0.09% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 51.39% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.28% on net income of $27K 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 0.82%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Single Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Evergreen Park Schools financially healthy?
A 18.72% net worth ratio and a 0.09% delinquency rate feed into Evergreen Park Schools's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Evergreen Park Schools compare to other credit unions?
87/100 is Evergreen Park Schools's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Evergreen Park Schools?
Evergreen Park Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Evergreen Park Schools directly to confirm eligibility.
Is my money safe at Evergreen Park Schools?
Federal credit unions like Evergreen Park Schools 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. Evergreen Park Schools's net worth ratio of 18.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Evergreen Park Schools offer compared to banks?
Credit unions like Evergreen Park Schools 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 Evergreen Park Schools 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.