State credit union · Sterling, Illinois · NCUA charter #60531
Select Employees
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $75.8M
- Total assets
- 5,805
- Members
- 12.3%
- Net-worth ratio
Select Employees scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $75.8M; members 5,805; net-worth ratio 12.27%; health rank #103 of 4,374; healthier than 97th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#103 of 4,374 health · 2025Q4Select Employees · health 98/100 · $75.8M · 2025Q4
- RANK 98/100
- PHOTO 12.3%
- BOOK 0.53%
- CHARTER 1.81%
- NCUSIF $75.8M
- CAMELS 5,805
- HEALTH #103/4,374
- NW Rva Financial
- DELQ 60531
Call Report peers
Select Employees in the assets neighbourhood
Select Employees's $75.8M assets sit next to Rva Financial ($75.8M) 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.
Select 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
98 Top 3% higher than 97% 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
Select Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60531, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Select Employees
- Loan-to-Share Ratio leads the peer set - 73.65% here, 62.60% peer average (+11.05 pp).
- Largest lag: Net Worth Ratio at 12.27% vs peer 13.62% (-1.35 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for Select Employees
- In Illinois, health place is #4 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #60 of 192.
- Membership ranks #61 of 192 among Illinois CUs with a reported count (5,805 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Select Employees
Select Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $75.8M (2025Q4) to $78.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (12.31% → 12.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 15.3 pts
Select Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.27% | -1.35 pp |
| Delinquency Rate | 0.53% | -0.43 pp |
| Return on Assets | 1.81% | +1.15 pp |
| Member Growth | 3.35% | - |
| Loan-to-Share Ratio | 73.65% | +11.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Select Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.7M | - |
| 2025Q4 | $75.8M | 5,805 |
| 2024Q4 | $68.1M | 5,617 |
| 2023Q4 | $68.6M | 5,417 |
Credit Union Details
- Charter Number
- 60531
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- Sterling
- Data Quarter
- 2025Q4
Branch Location
Select Employees operates a single office in Sterling, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Select Employees Credit Union (Main Office) | Sterling, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Select Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Select Employees, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($75.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- Select Employees ranks #103 of 4,374 nationally on financial health and #4 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Midwest Coalition of Labor is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Midwest Coalition of Labor
- 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 Select Employees financially healthy?
Select Employees has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #103 of 4,374; by total assets it ranks #2,063 of 4,374 nationally (same basis as /rankings/largest); and #60 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.27% and delinquency rate of 0.53%.
How does Select Employees compare to other credit unions?
98/100 is Select Employees's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Select Employees?
Membership eligibility for Select Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Select Employees directly for current membership requirements and application steps.
Is my money safe at Select Employees?
Federal credit unions like Select 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. Select Employees's net worth ratio of 12.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Select Employees offer compared to banks?
Credit unions like Select 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 Select 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.