State credit union · PONTIAC, Illinois · NCUA charter #60299
Pontiac Dwight Prison Employs
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $7.8M
- Total assets
- 921
- Members
- 10.9%
- Net-worth ratio
Pontiac Dwight Prison Employs - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60299: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Pontiac Dwight Prison Employs - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)68
- Member growth36
- Liquidity (loan-to-share)67
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.92% 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 | 10.92% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | -2.02% | 15% |
| Loan-to-Share Ratio | 44.69% | 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 | $7.8M | 921 |
| 2024Q4 | $7.4M | 940 |
| 2023Q4 | $7.5M | 952 |
Credit Union Details
- Charter Number
- 60299
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- PONTIAC
- Data Quarter
- 2025Q4
What This Data Says About Pontiac Dwight Prison Employs
The five-factor composite scores Pontiac Dwight Prison Employs at 81/100 (Excellent), reflecting a net worth ratio of 10.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in PONTIAC, Illinois, reports 921 members, $7.8M in total assets, and $3.1M in outstanding loans as of Q4 2025 under charter #60299 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
On loan book quality: 0.00% 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 44.69% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.18% on net income of $14K 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 -2.02%. 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: Other). 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.
- BURLINGTON NORTHERN SANTA FE RAILWYCicero, IL · $2M–$10M65Health
- JOLIET FIREFIGHTERSJoliet, IL · $2M–$10M96Health
- CTA-74TH STREET DEPOTChicago, IL · $2M–$10M55Health
- PEORIA HIWAYPeoria, IL · $2M–$10M91Health
- DECATUR POSTALDecatur, IL · $2M–$10M71Health
Compare Pontiac Dwight Prison Employs vs BURLINGTON NORTHERN SANTA FE RAILWY
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 Pontiac Dwight Prison Employs financially healthy?
Pontiac Dwight Prison Employs scores 81/100 (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 10.92% net worth ratio and a 0.00% delinquency rate.
How does Pontiac Dwight Prison Employs compare to other credit unions?
On PlainCU's health composite, Pontiac Dwight Prison Employs lands at 81/100, 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 Pontiac Dwight Prison Employs?
Membership eligibility for Pontiac Dwight Prison Employs depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Pontiac Dwight Prison Employs directly for current membership requirements and application steps.
Is my money safe at Pontiac Dwight Prison Employs?
Federal credit unions like Pontiac Dwight Prison Employs 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. Pontiac Dwight Prison Employs's net worth ratio of 10.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pontiac Dwight Prison Employs offer compared to banks?
Credit unions like Pontiac Dwight Prison Employs 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 Pontiac Dwight Prison Employs 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.