Federal credit union · NAPERVILLE, Illinois · NCUA charter #96066
Services
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $402K
- Total assets
- 2,771
- Members
- 69.0%
- Net-worth ratio
Services - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #96066. See our deposit-insurance coverage note.
Services - 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)45
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)55
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 68.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 68.99% | 30% |
| Delinquency Rate | 2.20% | 25% |
| Return on Assets | 3.90% | 15% |
| Member Growth | -9.68% | 15% |
| Loan-to-Share Ratio | 25.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $402K | 2,771 |
| 2024Q4 | $389K | 3,068 |
| 2023Q4 | $380K | 3,697 |
Credit Union Details
- Charter Number
- 96066
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- NAPERVILLE
- Data Quarter
- 2025Q4
What This Data Says About Services
Services is a federal credit union headquartered in NAPERVILLE, Illinois, serving 2,771 members with $402K in total assets and $28K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 65/100 (Good), anchored by a net worth ratio of 68.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #96066 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 2.20% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 25.13% 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 3.90% on net income of $16K 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 -9.68%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Services financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Services carries a financial health score of 65/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 68.99% net worth ratio and a 2.20% delinquency rate.
How does Services compare to other credit unions?
On PlainCU's health composite, Services lands at 65/100, compared to a peer group average for Under $2M 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 Services?
Membership eligibility for Services depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Services directly for current membership requirements and application steps.
Is my money safe at Services?
Federal credit unions like Services 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. Services's net worth ratio of 68.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Services offer compared to banks?
Credit unions like Services 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 Services 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.