State credit union · South Holland, Illinois · NCUA charter #61368
Sherwin Williams Emp.
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $40.7M
- Total assets
- 3,076
- Members
- 12.4%
- Net-worth ratio
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. - 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)100
- Earnings (ROA)69
- Member growth0
- Liquidity (loan-to-share)66
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.38% | 30% |
| Delinquency Rate | 0.32% | 25% |
| Return on Assets | 0.19% | 15% |
| Member Growth | -5.76% | 15% |
| Loan-to-Share Ratio | 42.92% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Sherwin Williams Emp.
3,076 members and $40.7M in total assets sit behind Sherwin Williams Emp., a state credit union in South Holland, Illinois, which posts a health score of 75/100 (Very Good) on the five-factor composite, with $15.9M in outstanding loans as of Q4 2025 and a net worth ratio of 12.38% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #61368 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.32% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 42.92% 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 0.19% on net income of $78K 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 -5.76%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group 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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.38% 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 12.38% 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.
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.