Federal credit union · NAPERVILLE, Illinois · NCUA charter #96066
SERVICES
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $402K
- Total assets
- 2,771
- Members
- 69.0%
- Net-worth ratio
SERVICES scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $402K; members 2,771; net-worth ratio 69.02%; health rank #3,845 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,845 of 4,374 health · 2025Q4SERVICES · health 65/100 · $402K · 2025Q4
- DELQ 65/100
- ROA 69.0%
- ASSETS 2.20%
- MEM 3.90%
- RANK $402K
- PHOTO 2,771
- BOOK #3,845/4,374
- CHARTER n/a
- NCUSIF 96066
Call Report peers
SERVICES carries $402K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SERVICES 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
65 11th percentile higher than 11% 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
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.
Where SERVICES diverges from peer averages
- Net Worth Ratio leads the peer set - 69.02% here, 22.93% peer average (+46.09 pp).
- Largest lag: Loan-to-Share Ratio at 25.13% vs peer 52.70% (-27.57 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SERVICES in Illinois
- Illinois health ordinal: #171 of 192.
- By total assets, SERVICES is #181 of 192 in Illinois.
- Membership ranks #89 of 192 among Illinois CUs with a reported count (2,771 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 SERVICES
SERVICES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $402K (2025Q4) to $405K (2026Q1).
- Net-worth ratio shifted +0.03 pp (68.99% → 69.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 69.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.3 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 69.02% | +46.09 pp |
| Delinquency Rate | 2.20% | -2.28 pp |
| Return on Assets | 3.90% | +3.68 pp |
| Member Growth | -9.68% | - |
| Loan-to-Share Ratio | 25.13% | -27.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
SERVICES quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $405K | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for SERVICES.
| Office | City |
|---|---|
| Illinois Credit Union League (Main Office) | Naperville, 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
SERVICES's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- SERVICES ranks #3,845 of 4,374 nationally on financial health and #171 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Gregory Parish is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Gregory Parish
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #3,845 of 4,374; by total assets it ranks #4,311 of 4,374 nationally (same basis as /rankings/largest); and #181 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 69.02% 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 69.02% 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.
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.