State credit union · Robinson, Illinois · NCUA charter #61518
Hershey Robinson Employees
Health score 100/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $3.1M
- Total assets
- 721
- Members
- 25.8%
- Net-worth ratio
Hershey Robinson Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61518 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Hershey Robinson Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 100/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 25.81%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.81% | 30% |
| Delinquency Rate | 0.17% | 25% |
| Return on Assets | 1.12% | 15% |
| Member Growth | 6.03% | 15% |
| Loan-to-Share Ratio | 72.14% | 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 | $3.1M | 721 |
| 2024Q4 | $3.0M | 680 |
| 2023Q4 | $3.0M | 681 |
Credit Union Details
- Charter Number
- 61518
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Robinson
- Data Quarter
- 2025Q4
What This Data Says About Hershey Robinson Employees
721 members and $3.1M in total assets sit behind Hershey Robinson Employees, a state credit union in Robinson, Illinois, which posts a health score of 100/100 (Excellent) on the five-factor composite, with $1.6M in outstanding loans as of Q4 2025 and a net worth ratio of 25.81% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #61518 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 0.17% 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 72.14% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.12% on net income of $34K 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 6.03%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
- WILLIAMSON COUNTY CATHOLICHerrin, IL · $2M–$10M82Health
- SPRINGFIELD FIREFIGHTERSSpringfield, IL · $2M–$10M73Health
- AURORA FIREFIGHTERS'Aurora, IL · $2M–$10M85Health
- MERCERAledo, IL · $2M–$10M78Health
- N.I.C.E.Geneva, IL · $2M–$10M70Health
Compare Hershey Robinson Employees vs WILLIAMSON COUNTY CATHOLIC
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 Hershey Robinson Employees financially healthy?
Yes/no aside, the number is 100/100 (Excellent) - Hershey Robinson Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 25.81% net worth ratio and 0.17% delinquency rate are the key drivers.
How does Hershey Robinson Employees compare to other credit unions?
On PlainCU's health composite, Hershey Robinson Employees lands at 100/100, 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 Hershey Robinson Employees?
Membership eligibility for Hershey Robinson Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hershey Robinson Employees directly for current membership requirements and application steps.
Is my money safe at Hershey Robinson Employees?
Federal credit unions like Hershey Robinson Employees 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. Hershey Robinson Employees's net worth ratio of 25.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hershey Robinson Employees offer compared to banks?
Credit unions like Hershey Robinson Employees 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 Hershey Robinson Employees 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.