State credit union · Springfield, Illinois · NCUA charter #65305
Illinois Educators
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $120.3M
- Total assets
- 10,173
- Members
- 10.4%
- Net-worth ratio
Illinois Educators scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $120.3M; members 10,173; net-worth ratio 10.41%; health rank #829 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#829 of 4,374 health · 2025Q4Illinois Educators · health 92/100 · $120.3M · 2025Q4
- MEM 92/100
- RANK 10.4%
- PHOTO 1.06%
- BOOK 0.56%
- CHARTER $120.3M
- NCUSIF 10,173
- CAMELS #829/4,374
- HEALTH United Local
- NW 65305
Call Report peers
Illinois Educators in the assets neighbourhood
Illinois Educators's $120.3M assets sit next to United Local ($120.1M) 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.
Illinois Educators 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
92 Top 20% higher than 80% 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
Illinois Educators - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65305: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Illinois Educators
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +23.01 pp (95.21% vs 72.20%).
- Largest lag: Net Worth Ratio at 10.41% vs peer 12.11% (-1.70 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois Educators: in-state Call Report ranks
- Illinois health ordinal: #34 of 192.
- Assets rank #49 of 192 inside Illinois ($120.3M reported).
- Member book place in Illinois: #48 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.
Illinois Educators: 2025Q4 → 2026Q1
Illinois Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $120.3M (2025Q4) to $121.4M (2026Q1).
- Net-worth ratio shifted -0.11 pp (10.52% → 10.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.5 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.5 pts
Illinois Educators health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.41% | -1.70 pp |
| Delinquency Rate | 1.06% | +0.17 pp |
| Return on Assets | 0.56% | -0.06 pp |
| Member Growth | 10.26% | - |
| Loan-to-Share Ratio | 95.21% | +23.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Illinois Educators
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $121.4M | - |
| 2025Q4 | $120.3M | 10,173 |
| 2024Q4 | $100.7M | 9,226 |
| 2023Q4 | $102.1M | 9,268 |
Credit Union Details
- Charter Number
- 65305
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Illinois Educators runs 2 offices.
| Office | City |
|---|---|
| Montvale (Main Office) | Springfield, IL |
| County Market | Springfield, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Illinois Educators's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($120.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Illinois Educators ranks #829 of 4,374 nationally on financial health and #34 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LANDMARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LANDMARK
- 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 Illinois Educators financially healthy?
Illinois Educators scores 92/100 (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 #829 of 4,374; by total assets it ranks #1,673 of 4,374 nationally (same basis as /rankings/largest); and #49 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.41% net worth ratio and a 1.06% delinquency rate.
How does Illinois Educators compare to other credit unions?
92/100 is Illinois Educators's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Illinois Educators?
Membership eligibility for Illinois Educators depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Illinois Educators directly for current membership requirements and application steps.
Is my money safe at Illinois Educators?
Federal credit unions like Illinois Educators 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. Illinois Educators's net worth ratio of 10.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Illinois Educators offer compared to banks?
Credit unions like Illinois Educators 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 Illinois Educators 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.