State credit union · MOLINE, Illinois · NCUA charter #60855
Kone Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $21.4M
- Total assets
- 1,716
- Members
- 16.6%
- Net-worth ratio
Kone Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.4M; members 1,716; net-worth ratio 16.57%; health rank #1,911 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,911 of 4,374 health · 2025Q4Kone Employees · health 85/100 · $21.4M · 2025Q4
- MEM 85/100
- RANK 16.6%
- PHOTO 0.19%
- BOOK 0.21%
- CHARTER $21.4M
- NCUSIF 1,716
- CAMELS #1,911/4,374
- HEALTH Essex County Teachers
- NW 60855
Call Report peers
Kone Employees in the assets neighbourhood
Kone Employees's $21.4M assets sit next to Essex County Teachers ($21.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Kone Employees 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
85 Top 46% higher than 54% 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
Kone Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60855 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Kone Employees diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 16.57% vs peer 14.86% (+1.71 pp).
- Largest lag: Loan-to-Share Ratio at 58.22% vs peer 59.80% (-1.58 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for Kone Employees
- In Illinois, health place is #82 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #102 of 192.
- Member book place in Illinois: #109 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.
Kone Employees Call Report trajectory
Kone Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $21.4M (2025Q4) to $21.5M (2026Q1).
- Net-worth ratio shifted +0.55 pp (16.02% → 16.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.57% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.6 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 12.7 pts
Kone Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.57% | +1.71 pp |
| Delinquency Rate | 0.19% | -0.96 pp |
| Return on Assets | 0.21% | -0.50 pp |
| Member Growth | -1.27% | - |
| Loan-to-Share Ratio | 58.22% | -1.58 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Kone Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.5M | - |
| 2025Q4 | $21.4M | 1,716 |
| 2024Q4 | $19.2M | 1,738 |
| 2023Q4 | $20.0M | 1,792 |
Credit Union Details
- Charter Number
- 60855
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- MOLINE
- Data Quarter
- 2025Q4
Branch Location
Kone Employees operates a single office in Moline, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| KONE ECU (Main Office) | Moline, 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 Kone Employees
Kone Employees's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Kone Employees ranks #1,911 of 4,374 nationally on financial health and #82 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bloomington Postal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bloomington Postal Employees
- 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 Kone Employees financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Kone Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,911 of 4,374; by total assets it ranks #3,103 of 4,374 nationally (same basis as /rankings/largest); and #102 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.57% net worth ratio and 0.19% delinquency rate are the key drivers.
How does Kone Employees compare to other credit unions?
PlainCU's health composite puts Kone Employees at 85/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Kone Employees?
Membership eligibility for Kone Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Kone Employees directly for current membership requirements and application steps.
Is my money safe at Kone Employees?
Federal credit unions like Kone Employees 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. Kone Employees's net worth ratio of 16.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kone Employees offer compared to banks?
Credit unions like Kone Employees 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 Kone Employees 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.