Federal credit union · Normal, Illinois · NCUA charter #14972
Normal City Employees
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $4.4M
- Total assets
- 596
- Members
- 11.7%
- Net-worth ratio
Normal City Employees scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.4M; members 596; net-worth ratio 11.66%; health rank #643 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#643 of 4,374 health · 2025Q4Normal City Employees · health 93/100 · $4.4M · 2025Q4
- DELQ 93/100
- ROA 11.7%
- ASSETS 0.00%
- MEM 0.51%
- RANK $4.4M
- PHOTO 596
- BOOK #643/4,374
- CHARTER n/a
- NCUSIF 14972
Call Report peers
Normal City Employees carries $4.4M 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.
Normal City 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
93 Top 16% higher than 84% 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
Normal City Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14972 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Normal City Employees: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 75.28% here, 63.60% peer average (+11.68 pp).
- Net Worth Ratio trails the peer set - 11.66% here, 19.06% peer average (-7.40 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for Normal City Employees
- In Illinois, health place is #25 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #149 of 192.
- Illinois membership ordinal: #150 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.
Normal City Employees Call Report trajectory
Normal City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $4.4M (2025Q4) to $4.5M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.73% → 11.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.66%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 14.9 pts
Normal City Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.66% | -7.40 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.51% | +0.06 pp |
| Member Growth | -0.50% | - |
| Loan-to-Share Ratio | 75.28% | +11.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Normal City Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.5M | - |
| 2025Q4 | $4.4M | 596 |
| 2024Q4 | $4.7M | 599 |
| 2023Q4 | $5.0M | 620 |
Credit Union Details
- Charter Number
- 14972
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Normal
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Normal City Employees runs one office.
| Office | City |
|---|---|
| Town of Normal Annex - South (Main Office) | Normal, 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.
- OAK LAWN MUNICIPAL EMPLOYEESOAK LAWN, IL · $2M–$10M93Health
- PEORIA FIRE FIGHTERSPeoria, IL · $2M–$10M92Health
- CHICAGO AVENUE GARAGEChicago, IL · $2M–$10M63Health
- NORTHSIDE LBroadview, IL · $2M–$10M50Health
- TRINITY U.C.C.Chicago, IL · $2M–$10M88Health
Compare Normal City Employees vs OAK LAWN MUNICIPAL EMPLOYEES
Cross-state Call Report peers for Normal City Employees
Cross-state asset and health neighbours for Normal City Employees - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Normal City Employees ranks #643 of 4,374 nationally on financial health and #25 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Oak Lawn Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Oak Lawn Municipal 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 Normal City Employees financially healthy?
Normal City Employees scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #643 of 4,374; by total assets it ranks #3,933 of 4,374 nationally (same basis as /rankings/largest); and #149 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.66% net worth ratio and a 0.00% delinquency rate.
How does Normal City Employees compare to other credit unions?
93/100 is Normal City Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Normal City Employees?
Normal City 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 Normal City Employees directly to confirm current membership steps.
Is my money safe at Normal City Employees?
Federal credit unions like Normal City 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. Normal City Employees's net worth ratio of 11.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Normal City Employees offer compared to banks?
Credit unions like Normal City 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 Normal City 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.