State credit union · Springfield, Illinois · NCUA charter #66253
Funeral Service
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $9.9M
- Total assets
- 674
- Members
- 19.4%
- Net-worth ratio
Funeral Service scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.9M; members 674; net-worth ratio 19.36%; health rank #3,320 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,320 of 4,374 health · 2025Q4Funeral Service · health 74/100 · $9.9M · 2025Q4
- NW 74/100
- DELQ 19.4%
- ROA 0.85%
- ASSETS 0.40%
- MEM $9.9M
- RANK 674
- PHOTO #3,320/4,374
- BOOK n/a
- CHARTER 66253
Call Report peers
Funeral Service carries $9.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Funeral Service 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
74 23rd percentile higher than 23% 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
Funeral Service - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66253. See our deposit-insurance coverage note.
Peer-gap read for Funeral Service
- Largest favorable gap: Loan-to-Share Ratio at 112.70% vs peer 63.60% (+49.10 pp).
- Return on Assets trails the peer set - 0.40% here, 0.45% peer average (-0.05 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Funeral Service sits in Illinois
- Illinois health ordinal: #147 of 192.
- Assets rank #124 of 192 inside Illinois ($9.9M reported).
- Member book place in Illinois: #144 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.
Funeral Service: 2025Q4 → 2026Q1
Funeral Service: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.4% from $9.9M (2025Q4) to $9.8M (2026Q1).
- Net-worth ratio shifted +0.40 pp (18.96% → 19.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 13.5 pts
- Member Growth 3.6 pts
- Loan-to-Share Ratio 5.4 pts
Funeral Service health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.36% | +0.30 pp |
| Delinquency Rate | 0.85% | -0.96 pp |
| Return on Assets | 0.40% | -0.05 pp |
| Member Growth | -3.02% | - |
| Loan-to-Share Ratio | 112.70% | +49.10 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Funeral Service quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.8M | - |
| 2025Q4 | $9.9M | 674 |
| 2024Q4 | $10.7M | 695 |
| 2023Q4 | $11.7M | 821 |
Credit Union Details
- Charter Number
- 66253
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Funeral Service runs one office.
| Office | City |
|---|---|
| Funeral Service CU (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.
Nationwide credit unions with similar profiles
Funeral Service's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- Funeral Service ranks #3,320 of 4,374 nationally on financial health and #147 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Evergreen Park Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Evergreen Park Schools
- 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 Funeral Service financially healthy?
Funeral Service scores 74/100 (Very Good) 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 #3,320 of 4,374; by total assets it ranks #3,569 of 4,374 nationally (same basis as /rankings/largest); and #124 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.36% net worth ratio and a 0.85% delinquency rate.
How does Funeral Service compare to other credit unions?
On PlainCU's health composite, Funeral Service lands at 74/100, compared to a peer group average for $2M–$10M 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 Funeral Service?
Membership eligibility for Funeral Service depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Funeral Service directly for current membership requirements and application steps.
Is my money safe at Funeral Service?
Federal credit unions like Funeral Service 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. Funeral Service's net worth ratio of 19.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Funeral Service offer compared to banks?
Credit unions like Funeral Service 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 Funeral Service 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.