State credit union · Alton, Illinois · NCUA charter #65259
State Employees Community
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $6.3M
- Total assets
- 1,027
- Members
- 19.8%
- Net-worth ratio
State Employees Community scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.3M; members 1,027; net-worth ratio 19.77%; health rank #1,384 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,384 of 4,374 health · 2025Q4State Employees Community · health 88/100 · $6.3M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
State Employees Community vs every NCUA-scored credit union
State Employees Community sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Peer-gap read for State Employees Community
- Largest favorable gap: Loan-to-Share Ratio at 78.88% vs peer 63.60% (+15.28 pp).
- Return on Assets trails the peer set - -0.00% here, 0.45% peer average (-0.46 pp).
Illinois standing for State Employees Community
- In Illinois, health place is #48 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #135 of 192.
- Member book place in Illinois: #129 of 192.
- One place up in Illinois, Area Educational (#47) ties at 88/100; one place down, C T a F C (#49) ties at 88/100.
How State Employees Community's 5300 filing moved
State Employees Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.4% from $6.3M (2025Q4) to $6.6M (2026Q1).
- Net-worth ratio shifted -0.91 pp (20.68% → 19.77%).
19.77% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
State Employees Community gives up 12 points in total. Return on Assets costs the most, 10.5 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.5 pts
- Member Growth 13.7 pts
- Loan-to-Share Ratio 14.8 pts
State Employees Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.77% | +0.71 pp |
| Delinquency Rate | 0.06% | -1.75 pp |
| Return on Assets | -0.00% | -0.46 pp |
| Member Growth | 3.95% | - |
| Loan-to-Share Ratio | 78.88% | +15.28 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.6M | - |
| 2025Q4 | $6.3M | 1,027 |
| 2024Q4 | $6.5M | 988 |
| 2023Q4 | $6.9M | 1,040 |
Credit Union Details
- Charter Number
- 65259
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Alton
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, State Employees Community runs one office.
| Office | City |
|---|---|
| 4500 College Avenue (Main Office) | Alton, 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.
Other-state peers near State Employees Community
Similar health score
Using this data
- State Employees Community ranks #1,384 of 4,374 nationally on financial health and #48 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Molex Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Molex Employees
Frequently Asked Questions
Is State Employees Community financially healthy?
On its 2025Q4 NCUA 5300 filing, State Employees Community scores 88/100 (Excellent), with a 19.77% net worth ratio and 0.06% of loans delinquent. It ranks #1,384 of 4,374 nationally on health and #48 of 192 in Illinois.
How does State Employees Community compare to other credit unions?
State Employees Community scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (78.88% vs 63.60%). Its widest shortfall is return on assets (-0.00% vs 0.45%).
How can I join State Employees Community?
Membership eligibility for State Employees Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact State Employees Community directly for current membership requirements and application steps.
Is my money safe at State Employees Community?
State Employees Community 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. State Employees Community's net worth ratio of 19.77% 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.