State credit union · CHICAGO, Illinois · NCUA charter #65843
Mwrd Employees
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $38.8M
- Total assets
- 2,128
- Members
- 14.5%
- Net-worth ratio
Mwrd Employees scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.8M; members 2,128; net-worth ratio 14.46%; health rank #2,406 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,406 of 4,374 health · 2025Q4Mwrd Employees · health 82/100 · $38.8M · 2025Q4
- HEALTH 82/100
- NW 14.5%
- DELQ 0.26%
- ROA 0.06%
- ASSETS $38.8M
- MEM 2,128
- RANK #2,406/4,374
- PHOTO Manchester Municipal
- BOOK 65843
Call Report peers
Mwrd Employees in the assets neighbourhood
Mwrd Employees's $38.8M assets sit next to Manchester Municipal ($38.8M) 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.
Mwrd 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
82 43rd percentile higher than 43% 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
Mwrd Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #65843 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Mwrd Employees
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.89 pp (0.26% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -0.84 pp (58.96% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mwrd Employees in Illinois
- Illinois health ordinal: #108 of 192.
- Assets rank #80 of 192 inside Illinois ($38.8M reported).
- Membership ranks #104 of 192 among Illinois CUs with a reported count (2,128 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Mwrd Employees's 5300 filing moved
Mwrd Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.3% from $38.8M (2025Q4) to $37.9M (2026Q1).
- Net-worth ratio shifted +0.45 pp (14.01% → 14.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 7.4 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.46% | -0.40 pp |
| Delinquency Rate | 0.26% | -0.89 pp |
| Return on Assets | 0.06% | -0.64 pp |
| Member Growth | -1.25% | - |
| Loan-to-Share Ratio | 58.96% | -0.84 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.9M | - |
| 2025Q4 | $38.8M | 2,128 |
| 2024Q4 | $40.2M | 2,155 |
| 2023Q4 | $37.5M | 2,181 |
Credit Union Details
- Charter Number
- 65843
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- CHICAGO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Mwrd Employees, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Chicago, IL |
| Stickney Branch Office | Cicero, 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 Mwrd Employees
Two NCUA Call Report peer sets for Mwrd Employees, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Mwrd Employees ranks #2,406 of 4,374 nationally on financial health and #108 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Streator Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Streator Community
- 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 Mwrd Employees financially healthy?
Mwrd Employees has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,406 of 4,374; by total assets it ranks #2,632 of 4,374 nationally (same basis as /rankings/largest); and #80 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.46% and delinquency rate of 0.26%.
How does Mwrd Employees compare to other credit unions?
82/100 is Mwrd Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Mwrd Employees?
Membership eligibility for Mwrd Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mwrd Employees directly for current membership requirements and application steps.
Is my money safe at Mwrd Employees?
Federal credit unions like Mwrd 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. Mwrd Employees's net worth ratio of 14.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mwrd Employees offer compared to banks?
Credit unions like Mwrd 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 Mwrd 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.