Federal credit union · DECATUR, Illinois · NCUA charter #81416
STALEY
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $222.1M
- Total assets
- 17,227
- Members
- 11.5%
- Net-worth ratio
STALEY scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $222.1M; members 17,227; net-worth ratio 11.54%; health rank #1,665 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,665 of 4,374 health · 2025Q4STALEY · health 87/100 · $222.1M · 2025Q4
- CHARTER 87/100
- NCUSIF 11.5%
- CAMELS 0.10%
- HEALTH 1.00%
- NW $222.1M
- DELQ 17,227
- ROA #1,665/4,374
- ASSETS Maine Highlands
- MEM 81416
Call Report peers
STALEY in the assets neighbourhood
STALEY's $222.1M assets sit next to Maine Highlands ($221.8M) 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.
STALEY 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
87 Top 40% higher than 60% 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
STALEY - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #81416 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
STALEY: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 85.17% vs peer 72.20% (+12.97 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.57 pp (11.54% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for STALEY
- Health composite ranks #65 of 192 among scored Illinois credit unions.
- Assets rank #38 of 192 inside Illinois ($222.1M reported).
- Membership ranks #38 of 192 among Illinois CUs with a reported count (17,227 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.
How STALEY's 5300 filing moved
STALEY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $222.1M (2025Q4) to $226.8M (2026Q1).
- Net-worth ratio shifted +0.03 pp (11.51% → 11.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for STALEY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.54% | -0.57 pp |
| Delinquency Rate | 0.10% | -0.79 pp |
| Return on Assets | 1.00% | +0.38 pp |
| Member Growth | -3.84% | - |
| Loan-to-Share Ratio | 85.17% | +12.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $226.8M | - |
| 2025Q4 | $222.1M | 17,227 |
| 2024Q4 | $209.2M | 17,915 |
| 2023Q4 | $204.8M | 17,869 |
Credit Union Details
- Charter Number
- 81416
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- DECATUR
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for STALEY, spread across 3 cities in 3 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Decatur, IL |
| 22nd St. | Decatur, IL |
| West Eldorado Branch | Decatur, IL |
| Lafayette Branch | Lafayette, IN |
| Lafayette Veterans Memorial Branch | Lafayette, IN |
| Loudon Branch | Loudon, TN |
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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for STALEY - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($222.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- STALEY ranks #1,665 of 4,374 nationally on financial health and #65 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Catholic & Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Catholic & Community
- 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 STALEY financially healthy?
STALEY scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,665 of 4,374; by total assets it ranks #1,207 of 4,374 nationally (same basis as /rankings/largest); and #38 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.54% net worth ratio and a 0.10% delinquency rate.
How does STALEY compare to other credit unions?
Five weighted metrics from NCUA filings produce STALEY's 87/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 STALEY?
Membership eligibility for STALEY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact STALEY directly for current membership requirements and application steps.
Is my money safe at STALEY?
Federal credit unions like STALEY 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. STALEY's net worth ratio of 11.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does STALEY offer compared to banks?
Credit unions like STALEY 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 STALEY 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.