State credit union · Rockford, Illinois · NCUA charter #62826
Rockford Municipal Employees
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $23.5M
- Total assets
- 2,129
- Members
- 15.6%
- Net-worth ratio
Rockford Municipal Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62826: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Rockford Municipal Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth28
- Liquidity (loan-to-share)72
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.59% 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 | 15.59% | 30% |
| Delinquency Rate | 0.25% | 25% |
| Return on Assets | 0.59% | 15% |
| Member Growth | -2.65% | 15% |
| Loan-to-Share Ratio | 51.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $23.5M | 2,129 |
| 2024Q4 | $22.5M | 2,187 |
| 2023Q4 | $24.3M | 2,782 |
Credit Union Details
- Charter Number
- 62826
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Rockford
- Data Quarter
- 2025Q4
What This Data Says About Rockford Municipal Employees
The five-factor composite scores Rockford Municipal Employees at 85/100 (Excellent), reflecting a net worth ratio of 15.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Rockford, Illinois, reports 2,129 members, $23.5M in total assets, and $10.1M in outstanding loans as of Q4 2025 under charter #62826 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Two more numbers round out the picture: a 0.25% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 51.32% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.59% on net income of $140K 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 -2.65%. 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
More federally-insured credit unions based in Illinois, ordered by peer group match 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 Rockford Municipal Employees financially healthy?
Rockford Municipal Employees scores 85/100 (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 15.59% net worth ratio and a 0.25% delinquency rate.
How does Rockford Municipal Employees compare to other credit unions?
On PlainCU's health composite, Rockford Municipal Employees lands at 85/100, compared to a peer group average for $10M–$50M 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 Rockford Municipal Employees?
Membership eligibility for Rockford 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 Rockford Municipal Employees directly for current membership requirements and application steps.
Is my money safe at Rockford Municipal Employees?
Federal credit unions like Rockford 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. Rockford Municipal Employees's net worth ratio of 15.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rockford Municipal Employees offer compared to banks?
Credit unions like Rockford 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 Rockford 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.