State credit union · Springfield, Illinois · NCUA charter #66300
Imperial
Health score 39/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 39
- Health / 100
- $74K
- Total assets
- 195
- Members
- 6.6%
- Net-worth ratio
Imperial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66300: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Imperial - 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)64
- Asset quality (delinquency)19
- Earnings (ROA)18
- Member growth30
- Liquidity (loan-to-share)52
Weighted composite: 39/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.56%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.56% | 30% |
| Delinquency Rate | 3.24% | 25% |
| Return on Assets | -0.21% | 15% |
| Member Growth | -2.50% | 15% |
| Loan-to-Share Ratio | 19.83% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $74K | 195 |
| 2024Q4 | $74K | 200 |
| 2023Q4 | $68K | 198 |
Credit Union Details
- Charter Number
- 66300
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Springfield
- Data Quarter
- 2025Q4
What This Data Says About Imperial
Charter #66300, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Imperial, a state credit union in Springfield, Illinois with 195 members, $74K in total assets, and $14K in outstanding loans as of Q4 2025. The five-factor composite scores it 39/100 (Weak), helped by a net worth ratio of 6.56% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 3.24% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 19.83% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.21% on net income of $-153 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 -2.50%. 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.
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 Imperial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Imperial carries a financial health score of 39/100 (Weak). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.56% net worth ratio and a 3.24% delinquency rate.
How does Imperial compare to other credit unions?
39/100 is Imperial's score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Imperial?
Membership eligibility for Imperial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Imperial directly for current membership requirements and application steps.
Is my money safe at Imperial?
Federal credit unions like Imperial 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. Imperial's net worth ratio of 6.56% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Imperial offer compared to banks?
Credit unions like Imperial 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 Imperial 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.