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
Call Report peers
Select Employees in the assets neighbourhood
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Select Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Select Employees sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Illinois, Chicago Firefighter's (#3) ties at 98/100; one place down, IAA (#5) scores 97/100, 1 point lower.
Quarter path for Select Employees
Select Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $75.8M (2025Q4) to $78.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (12.31% → 12.27%).
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
Select Employees gives up 2 points in total. Member Growth costs the most, 2 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Select Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Select Employees scores 98/100 (Excellent), with a 12.27% net worth ratio and 0.53% of loans delinquent. It ranks #103 of 4,374 nationally on health and #4 of 192 in Illinois.
How does Select Employees compare to other credit unions?
Select Employees scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (73.65% vs 62.60%). Its widest shortfall is net worth ratio (12.27% vs 13.62%).
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?
Select Employees is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.