State credit union · OAK LAWN, Illinois · NCUA charter #62717
Oak Lawn Municipal Employees
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $4.5M
- Total assets
- 830
- Members
- 13.8%
- Net-worth ratio
Oak Lawn Municipal Employees scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.5M; members 830; net-worth ratio 13.75%; health rank #610 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#610 of 4,374 health · 2025Q4Oak Lawn Municipal Employees · health 93/100 · $4.5M · 2025Q4
Call Report peers
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Oak Lawn Municipal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Oak Lawn Municipal 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
Where Oak Lawn Municipal Employees diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.23% vs peer 1.81% (-1.58 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.31 pp (13.75% vs 19.06%).
Illinois standing for Oak Lawn Municipal Employees
- Health composite ranks #23 of 192 among scored Illinois credit unions.
- By total assets, Oak Lawn Municipal Employees is #148 of 192 in Illinois.
- Membership ranks #137 of 192 among Illinois CUs with a reported count (830 members).
- One place up in Illinois, Chicago Firemans Assoc (#22) ties at 93/100; one place down, REDBRAND (#24) ties at 93/100.
Quarter path for Oak Lawn Municipal Employees
Oak Lawn Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.7% from $4.5M (2025Q4) to $4.7M (2026Q1).
- Net-worth ratio shifted -0.53 pp (14.28% → 13.75%).
13.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Oak Lawn Municipal Employees gives up 7 points in total. Member Growth costs the most, 5.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 13.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.75% | -5.31 pp |
| Delinquency Rate | 0.23% | -1.58 pp |
| Return on Assets | 0.80% | +0.35 pp |
| Member Growth | 0.48% | - |
| Loan-to-Share Ratio | 64.59% | +0.99 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.7M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Oak Lawn Municipal Employees.
| Office | City |
|---|---|
| OAK LAWN MUN EMP C U (Main Office) | OAK LAWN, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$10M50Health
- URBANA MUNICIPAL EMPLOYEESUrbana, IL · $2M–$10M88Health
Compare Oak Lawn Municipal Employees vs NORMAL CITY EMPLOYEES
Nationwide credit unions with similar profiles
Using this data
- Oak Lawn Municipal Employees ranks #610 of 4,374 nationally on financial health and #23 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Normal City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Normal City Employees
Frequently Asked Questions
Is Oak Lawn Municipal Employees financially healthy?
Oak Lawn Municipal Employees has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #610 of 4,374 nationally on health and #23 of 192 in Illinois. Its net worth ratio is 13.75% and its delinquency rate 0.23%.
How does Oak Lawn Municipal Employees compare to other credit unions?
Oak Lawn Municipal 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 delinquency rate (0.23% vs 1.81%). Its widest shortfall is net worth ratio (13.75% vs 19.06%).
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?
Oak Lawn Municipal Employees is a state-chartered 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. Oak Lawn Municipal Employees's net worth ratio of 13.75% 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.