State credit union · South Holland, Illinois · NCUA charter #61368
Sherwin Williams Emp.
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $40.7M
- Total assets
- 3,076
- Members
- 12.6%
- Net-worth ratio
Sherwin Williams Emp. scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.7M; members 3,076; net-worth ratio 12.59%; health rank #3,273 of 4,374; healthier than 24th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,273 of 4,374 health · 2025Q4Sherwin Williams Emp. · health 75/100 · $40.7M · 2025Q4
- RANK 75/100
- PHOTO 12.6%
- BOOK 0.32%
- CHARTER 0.19%
- NCUSIF $40.7M
- CAMELS 3,076
- HEALTH #3,273/4,374
- NW River Region
- DELQ 61368
Call Report peers
Sherwin Williams Emp. in the assets neighbourhood
Sherwin Williams Emp.'s $40.7M assets sit next to River Region ($40.7M) 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.
Sherwin Williams Emp. 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
75 24th percentile higher than 24% 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
Sherwin Williams Emp. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61368. See our deposit-insurance coverage note.
Sherwin Williams Emp. vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.32% here, 1.15% peer average (-0.83 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.88 pp (42.92% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Sherwin Williams Emp. in Illinois
- Health composite ranks #145 of 192 among scored Illinois credit unions.
- By total assets, Sherwin Williams Emp. is #77 of 192 in Illinois.
- Member book place in Illinois: #86 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Sherwin Williams Emp. Call Report trajectory
Sherwin Williams Emp.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $40.7M (2025Q4) to $40.8M (2026Q1).
- Net-worth ratio shifted +0.04 pp (12.55% → 12.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.59% | -2.27 pp |
| Delinquency Rate | 0.32% | -0.83 pp |
| Return on Assets | 0.19% | -0.51 pp |
| Member Growth | -5.76% | - |
| Loan-to-Share Ratio | 42.92% | -16.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.8M | - |
| 2025Q4 | $40.7M | 3,076 |
| 2024Q4 | $39.0M | 3,264 |
| 2023Q4 | $31.2M | 3,514 |
Credit Union Details
- Charter Number
- 61368
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- South Holland
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Sherwin Williams Emp..
| Office | City |
|---|---|
| Main Office (Main Office) | South Holland, 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.
Cross-state Call Report peers for Sherwin Williams Emp.
Two NCUA Call Report peer sets for Sherwin Williams Emp., 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 ($40.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Sherwin Williams Emp. ranks #3,273 of 4,374 nationally on financial health and #145 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northwest Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northwest Municipal
- 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 Sherwin Williams Emp. financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - Sherwin Williams Emp.'s financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,273 of 4,374; by total assets it ranks #2,588 of 4,374 nationally (same basis as /rankings/largest); and #77 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.59% net worth ratio and 0.32% delinquency rate are the key drivers.
How does Sherwin Williams Emp. compare to other credit unions?
On PlainCU's health composite, Sherwin Williams Emp. lands at 75/100, compared to a peer group average for $10M–$50M 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 Sherwin Williams Emp.?
Membership eligibility for Sherwin Williams Emp. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Sherwin Williams Emp. directly for current membership requirements and application steps.
Is my money safe at Sherwin Williams Emp.?
Federal credit unions like Sherwin Williams Emp. 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. Sherwin Williams Emp.'s net worth ratio of 12.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sherwin Williams Emp. offer compared to banks?
Credit unions like Sherwin Williams Emp. 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 Sherwin Williams Emp. 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.