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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); IMPERIAL sits in 45-49 with 39 others.
47 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Illinois, Harvard Community (#189) scores 48/100, 1 point higher; one place down, Chicago Area Office (#191) scores 43/100, 4 points lower.
IMPERIAL Call Report trajectory
IMPERIAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $74K (2025Q4) to $77K (2026Q1).
- Net-worth ratio shifted +0.70 pp (8.09% → 8.79%).
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
IMPERIAL gives up 53 points in total. Delinquency Rate costs the most, 20.3 of its 25; Net Worth Ratio loses the least, 3.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is IMPERIAL financially healthy?
On its 2025Q4 NCUA 5300 filing, IMPERIAL scores 47/100 (Below Average), with a 8.79% net worth ratio and 3.24% of loans delinquent. It ranks #4,299 of 4,374 nationally on health and #190 of 192 in Illinois.
How does IMPERIAL compare to other credit unions?
IMPERIAL scores 47/100, higher than 2% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (3.24% vs 4.48%). Its widest shortfall is loan-to-share ratio (19.83% vs 52.70%).
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?
IMPERIAL is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.