State credit union · Rockford, Illinois · NCUA charter #62826
Rockford Municipal Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $23.5M
- Total assets
- 2,129
- Members
- 15.8%
- Net-worth ratio
Rockford Municipal Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.5M; members 2,129; net-worth ratio 15.75%; health rank #1,922 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,922 of 4,374 health · 2025Q4Rockford Municipal Employees · health 85/100 · $23.5M · 2025Q4
- ASSETS 85/100
- MEM 15.8%
- RANK 0.25%
- PHOTO 0.59%
- BOOK $23.5M
- CHARTER 2,129
- NCUSIF #1,922/4,374
- CAMELS Westmoreland Water
- HEALTH 62826
Call Report peers
Rockford Municipal Employees in the assets neighbourhood
Rockford Municipal Employees's $23.5M assets sit next to Westmoreland Water ($23.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Rockford Municipal Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Peer-gap read for Rockford Municipal Employees
- Delinquency Rate leads the peer set - 0.25% here, 1.15% peer average (-0.89 pp).
- Loan-to-Share Ratio trails the peer set - 51.32% here, 59.80% peer average (-8.48 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Rockford Municipal Employees sits in Illinois
- In Illinois, health place is #84 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #98 of 192.
- Illinois membership ordinal: #103 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Rockford Municipal Employees Call Report trajectory
Rockford Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $23.5M (2025Q4) to $23.7M (2026Q1).
- Net-worth ratio shifted +0.16 pp (15.59% → 15.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 10.8 pts
Rockford Municipal Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.75% | +0.89 pp |
| Delinquency Rate | 0.25% | -0.89 pp |
| Return on Assets | 0.59% | -0.11 pp |
| Member Growth | -2.65% | - |
| Loan-to-Share Ratio | 51.32% | -8.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Rockford Municipal Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.7M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Rockford Municipal Employees.
| Office | City |
|---|---|
| Main Office (Main Office) | Rockford, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Rockford Municipal Employees's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Rockford Municipal Employees ranks #1,922 of 4,374 nationally on financial health and #84 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEE-PAK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEE-PAK
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,922 of 4,374; by total assets it ranks #3,038 of 4,374 nationally (same basis as /rankings/largest); and #98 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.75% 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 15.75% 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.
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.