State credit union · Springfield, Illinois · NCUA charter #66300
IMPERIAL
Health score 47/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $74K
- Total assets
- 195
- Members
- 8.8%
- Net-worth ratio
IMPERIAL scores 47/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $74K; members 195; net-worth ratio 8.79%; health rank #4,299 of 4,374; healthier than 2nd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,299 of 4,374 health · 2025Q4IMPERIAL · health 47/100 · $74K · 2025Q4
- PHOTO 47/100
- BOOK 8.8%
- CHARTER 3.24%
- NCUSIF -0.21%
- CAMELS $74K
- HEALTH 195
- NW #4,299/4,374
- DELQ n/a
- ROA 66300
Call Report peers
IMPERIAL carries $74K 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.
IMPERIAL 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
47 2nd percentile higher than 2% 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
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.
Peer-gap read for IMPERIAL
- Delinquency Rate leads the peer set - 3.24% here, 4.48% peer average (-1.24 pp).
- Largest lag: Loan-to-Share Ratio at 19.83% vs peer 52.70% (-32.87 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for IMPERIAL
- Health composite ranks #190 of 192 among scored Illinois credit unions.
- Assets rank #191 of 192 inside Illinois ($74K reported).
- Member book place in Illinois: #179 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.
IMPERIAL Call Report trajectory
IMPERIAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $74K (2025Q4) to $77K (2026Q1).
- Net-worth ratio shifted +0.70 pp (8.09% → 8.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 47/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 47.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 4.7 pts
- Return on Assets 2.7 pts
- Member Growth 4.5 pts
- Loan-to-Share Ratio 8.1 pts
Call Report ratios for IMPERIAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.79% | -14.14 pp |
| Delinquency Rate | 3.24% | -1.24 pp |
| Return on Assets | -0.21% | -0.43 pp |
| Member Growth | -2.50% | - |
| Loan-to-Share Ratio | 19.83% | -32.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
IMPERIAL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77K | - |
| 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
Branch Location
Per its most recent NCUA branch filing, IMPERIAL runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Springfield, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Other-state peers near IMPERIAL
IMPERIAL'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 (47/100 here).
Using this data
- IMPERIAL ranks #4,299 of 4,374 nationally on financial health and #190 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bethel a.M.E. Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bethel a.M.E. Church
- 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 IMPERIAL financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, IMPERIAL carries a financial health score of 47/100 (Below Average). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,299 of 4,374; by total assets it ranks #4,368 of 4,374 nationally (same basis as /rankings/largest); and #191 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.79% net worth ratio and a 3.24% delinquency rate.
How does IMPERIAL compare to other credit unions?
47/100 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 8.79% exceeds 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.
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.