State credit union · Springfield, Illinois · NCUA charter #60545
Financial Partners
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $12.2M
- Total assets
- 1,176
- Members
- 7.4%
- Net-worth ratio
Financial Partners scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.2M; members 1,176; net-worth ratio 7.45%; health rank #4,147 of 4,374; healthier than 5th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,147 of 4,374 health · 2025Q4Financial Partners · health 57/100 · $12.2M · 2025Q4
- NW 57/100
- DELQ 7.4%
- ROA 1.70%
- ASSETS 0.08%
- MEM $12.2M
- RANK 1,176
- PHOTO #4,147/4,374
- BOOK Employees United
- CHARTER 60545
Call Report peers
Financial Partners in the assets neighbourhood
Financial Partners's $12.2M assets sit next to Employees United ($12.2M) 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.
Financial Partners 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
57 5th percentile higher than 5% 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
Financial Partners - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60545: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Financial Partners vs $10M–$50M peers
- Loan-to-Share Ratio trails the peer set - 43.15% here, 59.80% peer average (-16.65 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Financial Partners sits in Illinois
- Illinois health ordinal: #183 of 192.
- By total assets, Financial Partners is #116 of 192 in Illinois.
- Illinois membership ordinal: #124 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Financial Partners: 2025Q4 → 2026Q1
Financial Partners: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $12.2M (2025Q4) to $12.2M (2026Q1).
- Net-worth ratio shifted +0.11 pp (7.34% → 7.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 57/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- Net Worth Ratio 23.6 pts
- Delinquency Rate 14.8 pts
- Return on Assets 8.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.3 pts
Financial Partners vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.45% | -7.41 pp |
| Delinquency Rate | 1.70% | +0.55 pp |
| Return on Assets | 0.08% | -0.62 pp |
| Member Growth | -5.54% | - |
| Loan-to-Share Ratio | 43.15% | -16.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Financial Partners quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.2M | - |
| 2025Q4 | $12.2M | 1,176 |
| 2024Q4 | $10.7M | 1,245 |
| 2023Q4 | $11.0M | 1,289 |
Credit Union Details
- Charter Number
- 60545
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Location
Financial Partners operates a single office in Springfield, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Springfield, 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 Financial Partners
Financial Partners's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
Using this data
- Financial Partners ranks #4,147 of 4,374 nationally on financial health and #183 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Anco Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Anco Community
- 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 Financial Partners financially healthy?
Financial Partners has a financial health score of 57/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,147 of 4,374; by total assets it ranks #3,447 of 4,374 nationally (same basis as /rankings/largest); and #116 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 7.45% and delinquency rate of 1.70%.
How does Financial Partners compare to other credit unions?
PlainCU's health composite puts Financial Partners at 57/100, compared to a peer group average for $10M–$50M 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 Financial Partners?
Membership eligibility for Financial Partners depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Financial Partners directly for current membership requirements and application steps.
Is my money safe at Financial Partners?
Federal credit unions like Financial Partners 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. Financial Partners's net worth ratio of 7.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Financial Partners offer compared to banks?
Credit unions like Financial Partners 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 Financial Partners 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.