State credit union · Peoria, Illinois · NCUA charter #60873
Peoria City Employees
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $6.3M
- Total assets
- 1,000
- Members
- 21.5%
- Net-worth ratio
Peoria City Employees - Share Insurance Coverage
Charter #60873's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peoria City Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)51
- Earnings (ROA)100
- Member growth35
- Liquidity (loan-to-share)95
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 21.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.53% | 30% |
| Delinquency Rate | 1.96% | 25% |
| Return on Assets | 2.22% | 15% |
| Member Growth | -2.06% | 15% |
| Loan-to-Share Ratio | 66.48% | 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 | $6.3M | 1,000 |
| 2024Q4 | $6.2M | 1,021 |
| 2023Q4 | $6.3M | 1,018 |
Credit Union Details
- Charter Number
- 60873
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Peoria
- Data Quarter
- 2025Q4
What This Data Says About Peoria City Employees
Headquartered in Peoria, Illinois, Peoria City Employees is a state credit union with 1,000 members, $6.3M in total assets, and $3.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 21.53% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #60873 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 1.96% 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 looser than peers - and a 66.48% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 2.22% on net income of $139K 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 -2.06%. 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
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 City Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Peoria City Employees carries a financial health score of 77/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.53% net worth ratio and a 1.96% delinquency rate.
How does Peoria City Employees compare to other credit unions?
Peoria City Employees scores 77/100 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 City Employees?
Membership eligibility for Peoria City Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Peoria City Employees directly for current membership requirements and application steps.
Is my money safe at Peoria City Employees?
Federal credit unions like Peoria 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. Peoria City Employees's net worth ratio of 21.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Peoria City Employees offer compared to banks?
Credit unions like Peoria 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 Peoria 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.