State credit union · Monticello, Illinois · NCUA charter #65896
MEA
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $760K
- Total assets
- 122
- Members
- 8.8%
- Net-worth ratio
MEA scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $760K; members 122; net-worth ratio 8.75%; health rank #555 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#555 of 4,374 health · 2025Q4MEA · health 94/100 · $760K · 2025Q4
- BOOK 94/100
- CHARTER 8.8%
- NCUSIF 0.00%
- CAMELS 1.39%
- HEALTH $760K
- NW 122
- DELQ #555/4,374
- ROA n/a
- ASSETS 65896
Call Report peers
MEA carries $760K 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.
MEA 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
94 Top 13% higher than 87% 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
MEA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65896, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where MEA diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 77.49% here, 52.70% peer average (+24.79 pp).
- Net Worth Ratio trails the peer set - 8.75% here, 22.93% peer average (-14.18 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MEA: in-state Call Report ranks
- In Illinois, health place is #20 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, MEA is #174 of 192 in Illinois.
- Member book place in Illinois: #189 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.
MEA Call Report trajectory
MEA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.2% from $760K (2025Q4) to $806K (2026Q1).
- Net-worth ratio shifted -0.07 pp (8.82% → 8.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 26.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 15.1 pts
MEA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.75% | -14.18 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 1.39% | +1.17 pp |
| Member Growth | 2.52% | - |
| Loan-to-Share Ratio | 77.49% | +24.79 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).
Call Report history - MEA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $806K | - |
| 2025Q4 | $760K | 122 |
| 2024Q4 | $660K | 119 |
| 2023Q4 | $552K | 118 |
Credit Union Details
- Charter Number
- 65896
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Monticello
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, MEA runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| MEA Credit Union (Main Office) | Monticello, IL |
| MEA Credit Union | White Heath, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
MEA nationwide neighbourhoods
MEA'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 (94/100 here).
Using this data
- MEA ranks #555 of 4,374 nationally on financial health and #20 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- C T a F C is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with C T a F C
- 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 MEA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, MEA carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #555 of 4,374; by total assets it ranks #4,264 of 4,374 nationally (same basis as /rankings/largest); and #174 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.75% net worth ratio and a 0.00% delinquency rate.
How does MEA compare to other credit unions?
On PlainCU's health composite, MEA lands at 94/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 MEA?
Membership eligibility for MEA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MEA directly for current membership requirements and application steps.
Is my money safe at MEA?
Federal credit unions like MEA 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. MEA's net worth ratio of 8.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MEA offer compared to banks?
Credit unions like MEA 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 MEA 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.