Federal credit union · Normal, Illinois · NCUA charter #14972
Normal City Employees
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $4.4M
- Total assets
- 596
- Members
- 9.9%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)99
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth54
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.91% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.51% | 15% |
| Member Growth | -0.50% | 15% |
| Loan-to-Share Ratio | 75.28% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Normal City Employees
Normal City Employees is a federal credit union headquartered in Normal, Illinois, serving 596 members with $4.4M in total assets and $3.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 93/100 (Excellent), anchored by a net worth ratio of 9.91% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #14972 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 75.28% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.51% on net income of $23K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.50%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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–$10M42Health
- TRINITY U.C.C.Chicago, IL · $2M–$10M88Health
Compare Normal City Employees vs OAK LAWN MUNICIPAL EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.91% 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 9.91% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.