State credit union · Peoria, Illinois · NCUA charter #65905
Peoria Bell
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $5.9M
- Total assets
- 615
- Members
- 42.5%
- Net-worth ratio
Peoria Bell - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65905: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peoria Bell - 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)92
- Member growth39
- Liquidity (loan-to-share)75
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 42.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 42.49% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.42% | 15% |
| Member Growth | -1.76% | 15% |
| Loan-to-Share Ratio | 98.38% | 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 | $5.9M | 615 |
| 2024Q4 | $6.0M | 626 |
| 2023Q4 | $6.3M | 638 |
Credit Union Details
- Charter Number
- 65905
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Peoria
- Data Quarter
- 2025Q4
What This Data Says About Peoria Bell
The five-factor composite scores Peoria Bell at 86/100 (Excellent), reflecting a net worth ratio of 42.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Peoria, Illinois, reports 615 members, $5.9M in total assets, and $3.3M in outstanding loans as of Q4 2025 under charter #65905 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 98.38% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.42% on net income of $25K 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 -1.76%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
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 Peoria Bell financially healthy?
Peoria Bell scores 86/100 (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 42.49% net worth ratio and a 0.00% delinquency rate.
How does Peoria Bell compare to other credit unions?
Peoria Bell scores 86/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Peoria Bell?
Membership eligibility for Peoria Bell depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Peoria Bell directly for current membership requirements and application steps.
Is my money safe at Peoria Bell?
Federal credit unions like Peoria Bell 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. Peoria Bell's net worth ratio of 42.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Peoria Bell offer compared to banks?
Credit unions like Peoria Bell 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 Peoria Bell 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.