State credit union · Alton, Illinois · NCUA charter #65259
State Employees Community
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $6.3M
- Total assets
- 1,027
- Members
- 20.7%
- Net-worth ratio
State Employees Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #65259 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
State Employees Community - 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)30
- Member growth92
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
20.68% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.68% | 30% |
| Delinquency Rate | 0.06% | 25% |
| Return on Assets | -0.00% | 15% |
| Member Growth | 3.95% | 15% |
| Loan-to-Share Ratio | 78.88% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About State Employees Community
1,027 members and $6.3M in total assets sit behind State Employees Community, a state credit union in Alton, Illinois, which posts a health score of 88/100 (Excellent) on the five-factor composite, with $4.0M in outstanding loans as of Q4 2025 and a net worth ratio of 20.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #65259 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 0.06% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 78.88% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.00% on net income of $-208 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 3.95%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 State Employees Community financially healthy?
State Employees Community has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.68% and delinquency rate of 0.06%.
How does State Employees Community compare to other credit unions?
PlainCU's health composite puts State Employees Community at 88/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like State Employees Community 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. State Employees Community's net worth ratio of 20.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does State Employees Community offer compared to banks?
Credit unions like State Employees Community 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 State Employees Community 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.