State credit union · Springfield, Illinois · NCUA charter #65305

Illinois Educators

Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

90
Health / 100
$120.3M
Total assets
10,173
Members
9.2%
Net-worth ratio

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.

NCUSIF coverage gauge for Illinois Educators Share insurance under NCUSIF covers up to $250,000 per share owner. Illinois Educators holds approximately $101.1M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 9.2 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 9.2% · $101.1M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Illinois Educators - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 9.16% 30% weight
  • Asset quality (delinquency) 1.06% 25% weight
  • Earnings (ROA) 0.56% 15% weight
  • Member growth 10.26% 15% weight
  • Liquidity (loan-to-share) 95% 15% weight

Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 61.1%

This credit union's 9.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$120.3M
Total Assets
10,173
Members
$96.2M
Total Loans
$101.1M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 9.16% 30%
Delinquency Rate 1.06% 25%
Return on Assets 0.56% 15%
Member Growth 10.26% 15%
Loan-to-Share Ratio 95.21% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Illinois Educators

Charter #65305, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Illinois Educators, a state credit union in Springfield, Illinois with 10,173 members, $120.3M in total assets, and $96.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 90/100 (Excellent), helped by a net worth ratio of 9.16% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Deposits deployed into lending sit at a 95.21% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.06% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 0.56% on net income of $674K 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 10.26%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

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.

Compare Illinois Educators vs LANDMARK

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 Illinois Educators financially healthy?

Illinois Educators scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.16% net worth ratio and a 1.06% delinquency rate.

How does Illinois Educators compare to other credit unions?

90/100 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 9.16% 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.