State credit union · Springfield, Illinois · NCUA charter #65424
Springfield City Employees
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $12.7M
- Total assets
- 1,267
- Members
- 16.9%
- Net-worth ratio
Springfield City Employees scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.7M; members 1,267; net-worth ratio 16.86%; health rank #1,762 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,762 of 4,374 health · 2025Q4Springfield City Employees · health 86/100 · $12.7M · 2025Q4
Call Report peers
Springfield City Employees in the assets neighbourhood
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Springfield City Employees vs every NCUA-scored credit union
Springfield City Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Springfield City Employees: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +13.57 pp (73.37% vs 59.80%).
Where Springfield City Employees sits in Illinois
- In Illinois, health place is #73 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #115 of 192 inside Illinois ($12.7M reported).
- Illinois membership ordinal: #119 of 192.
- One place up in Illinois, Peoria Bell (#72) ties at 86/100; one place down, Healthcare Associates (#74) ties at 86/100.
Springfield City Employees: 2025Q4 → 2026Q1
Springfield City Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $12.7M (2025Q4) to $12.8M (2026Q1).
- Net-worth ratio shifted -0.06 pp (16.92% → 16.86%).
At 16.86%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Springfield City Employees gives up 14 points in total. Member Growth costs the most, 13.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.3 pts
- Loan-to-Share Ratio 14.7 pts
Springfield City Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.86% | +2.00 pp |
| Delinquency Rate | 0.44% | -0.70 pp |
| Return on Assets | 1.30% | +0.59 pp |
| Member Growth | -4.31% | - |
| Loan-to-Share Ratio | 73.37% | +13.57 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.8M | - |
| 2025Q4 | $12.7M | 1,267 |
| 2024Q4 | $12.0M | 1,324 |
| 2023Q4 | $12.2M | 1,351 |
Credit Union Details
- Charter Number
- 65424
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Location
Springfield City Employees operates a single office in Springfield, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Springfield, 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.
Other-state peers near Springfield City Employees
Similar total assets
Using this data
- Springfield City Employees ranks #1,762 of 4,374 nationally on financial health and #73 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BLAW-KNOX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BLAW-KNOX
Frequently Asked Questions
Is Springfield City Employees financially healthy?
Springfield City Employees has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,762 of 4,374 nationally on health and #73 of 192 in Illinois. Its net worth ratio is 16.86% and its delinquency rate 0.44%.
How does Springfield City Employees compare to other credit unions?
Springfield City Employees scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (73.37% vs 59.80%).
How can I join Springfield City Employees?
Membership eligibility for Springfield City Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Springfield City Employees directly for current membership requirements and application steps.
Is my money safe at Springfield City Employees?
Springfield City Employees is a state-chartered 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. Springfield City Employees's net worth ratio of 16.86% 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.