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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Normal City Employees sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Illinois, REDBRAND (#24) ties at 93/100; one place down, MEMBERSALLIANCE (#26) ties at 93/100.
Normal City Employees Call Report trajectory
Normal City Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $4.4M (2025Q4) to $4.5M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.73% → 11.66%).
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
Normal City Employees gives up 7 points in total. Member Growth costs the most, 6.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Normal City Employees financially healthy?
Normal City Employees has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #643 of 4,374 nationally on health and #25 of 192 in Illinois. Its net worth ratio is 11.66% and its delinquency rate 0.00%.
How does Normal City Employees compare to other credit unions?
Normal City Employees scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (75.28% vs 63.60%). Its widest shortfall is net worth ratio (11.66% vs 19.06%).
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?
Normal City 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. Normal City Employees's net worth ratio of 11.66% 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.