Federal credit union · joliet, Illinois · NCUA charter #16437
Joliet Municipal Employees
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $10.9M
- Total assets
- 875
- Members
- 11.1%
- Net-worth ratio
Joliet Municipal Employees scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.9M; members 875; net-worth ratio 11.05%; health rank #2,615 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,615 of 4,374 health · 2025Q4Joliet Municipal Employees · health 81/100 · $10.9M · 2025Q4
Call Report peers
Joliet Municipal Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Joliet Municipal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Joliet Municipal Employees sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Joliet Municipal Employees vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 69.01% vs peer 59.80% (+9.21 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.81 pp (11.05% vs 14.86%).
Joliet Municipal Employees in Illinois
- In Illinois, health place is #117 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #120 of 192.
- Illinois membership ordinal: #135 of 192.
- One place up in Illinois, Evanston Firemens (#116) ties at 81/100; one place down, Pontiac Dwight Prison Employs (#118) ties at 81/100.
Quarter path for Joliet Municipal Employees
Joliet Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $10.9M (2025Q4) to $11.1M (2026Q1).
- Net-worth ratio shifted +0.07 pp (10.98% → 11.05%).
11.05% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Joliet Municipal Employees gives up 19 points in total. Return on Assets costs the most, 13.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 1.1 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Joliet Municipal Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.05% | -3.81 pp |
| Delinquency Rate | 0.28% | -0.86 pp |
| Return on Assets | -0.38% | -1.08 pp |
| Member Growth | 0.81% | - |
| Loan-to-Share Ratio | 69.01% | +9.21 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Joliet Municipal Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.1M | - |
| 2025Q4 | $10.9M | 875 |
| 2024Q4 | $11.5M | 868 |
| 2023Q4 | $10.7M | 879 |
Credit Union Details
- Charter Number
- 16437
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- joliet
- Data Quarter
- 2025Q4
Branch Location
Joliet Municipal Employees operates a single office in joliet, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| joliet municipal employees federal credit union (Main Office) | joliet, 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.
Joliet Municipal Employees nationwide neighbourhoods
Using this data
- Joliet Municipal Employees ranks #2,615 of 4,374 nationally on financial health and #117 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Paris Hi-Way is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Paris Hi-Way
Frequently Asked Questions
Is Joliet Municipal Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Joliet Municipal Employees scores 81/100 (Excellent), with a 11.05% net worth ratio and 0.28% of loans delinquent. It ranks #2,615 of 4,374 nationally on health and #117 of 192 in Illinois.
How does Joliet Municipal Employees compare to other credit unions?
Joliet Municipal Employees scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.01% vs 59.80%). Its widest shortfall is net worth ratio (11.05% vs 14.86%).
How can I join Joliet Municipal Employees?
Joliet Municipal Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Joliet Municipal Employees directly to confirm current membership steps.
Is my money safe at Joliet Municipal Employees?
Joliet Municipal Employees is a federal 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. Joliet Municipal Employees's net worth ratio of 11.05% 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.