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
Call Report peers
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SERVICES vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SERVICES sits in 65-69 with 275 others.
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
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).
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).
- One place up in Illinois, Decatur Policemen (#170) scores 66/100, 1 point higher; one place down, HAULPAK (#172) ties at 65/100.
Quarter path for SERVICES
SERVICES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $402K (2025Q4) to $405K (2026Q1).
- Net-worth ratio shifted +0.03 pp (68.99% → 69.02%).
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
SERVICES gives up 35 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is SERVICES financially healthy?
SERVICES has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,845 of 4,374 nationally on health and #171 of 192 in Illinois. Its net worth ratio is 69.02% and its delinquency rate 2.20%.
How does SERVICES compare to other credit unions?
SERVICES scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is net worth ratio (69.02% vs 22.93%). Its widest shortfall is loan-to-share ratio (25.13% vs 52.70%).
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?
SERVICES is a federal 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. SERVICES's net worth ratio of 69.02% 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.