State credit union · OAK LAWN, Illinois · NCUA charter #62717
Oak Lawn Municipal Employees
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $4.5M
- Total assets
- 830
- Members
- 10.9%
- Net-worth ratio
Oak Lawn Municipal Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62717: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Oak Lawn Municipal Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth64
- Liquidity (loan-to-share)92
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.91% | 30% |
| Delinquency Rate | 0.23% | 25% |
| Return on Assets | 0.80% | 15% |
| Member Growth | 0.48% | 15% |
| Loan-to-Share Ratio | 64.59% | 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 | $4.5M | 830 |
| 2024Q4 | $4.3M | 826 |
| 2023Q4 | $4.5M | 803 |
Credit Union Details
- Charter Number
- 62717
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- OAK LAWN
- Data Quarter
- 2025Q4
What This Data Says About Oak Lawn Municipal Employees
830 members and $4.5M in total assets sit behind Oak Lawn Municipal Employees, a state credit union in OAK LAWN, Illinois, which posts a health score of 93/100 (Excellent) on the five-factor composite, with $2.5M in outstanding loans as of Q4 2025 and a net worth ratio of 10.91% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #62717 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 0.23% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 64.59% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.80% on net income of $36K 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 0.48%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
- NORMAL CITY EMPLOYEESNormal, IL · $2M–$10M93Health
- PEORIA FIRE FIGHTERSPeoria, IL · $2M–$10M92Health
- CHICAGO AVENUE GARAGEChicago, IL · $2M–$10M63Health
- NORTHSIDE LBroadview, IL · $2M–$10M42Health
- URBANA MUNICIPAL EMPLOYEESUrbana, IL · $2M–$10M88Health
Compare Oak Lawn Municipal Employees vs NORMAL CITY 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 Oak Lawn Municipal Employees financially healthy?
Oak Lawn Municipal Employees has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.91% and delinquency rate of 0.23%.
How does Oak Lawn Municipal Employees compare to other credit unions?
On PlainCU's health composite, Oak Lawn Municipal Employees lands at 93/100, compared to a peer group average for $2M–$10M 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 Oak Lawn Municipal Employees?
Membership eligibility for Oak Lawn Municipal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Oak Lawn Municipal Employees directly for current membership requirements and application steps.
Is my money safe at Oak Lawn Municipal Employees?
Federal credit unions like Oak Lawn Municipal 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. Oak Lawn Municipal Employees's net worth ratio of 10.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Oak Lawn Municipal Employees offer compared to banks?
Credit unions like Oak Lawn Municipal 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 Oak Lawn Municipal 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.