Federal credit union · Bloomington, Illinois · NCUA charter #1273
State Farm
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $5.30B
- Total assets
- 113,161
- Members
- 13.1%
- Net-worth ratio
State Farm scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.30B; members 113,161; net-worth ratio 13.11%; health rank #1,794 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,794 of 4,374 health · 2025Q4State Farm · health 86/100 · $5.30B · 2025Q4
- ASSETS 86/100
- MEM 13.1%
- RANK 0.24%
- PHOTO 0.59%
- BOOK $5.30B
- CHARTER 113,161
- NCUSIF #1,794/4,374
- CAMELS VISIONS
- HEALTH 1273
Call Report peers
State Farm in the assets neighbourhood
State Farm's $5.30B assets sit next to VISIONS ($5.29B) 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.
State Farm 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
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
State Farm - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1273: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where State Farm diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 13.11% vs peer 11.18% (+1.93 pp).
- Largest lag: Loan-to-Share Ratio at 22.61% vs peer 83.90% (-61.29 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where State Farm sits in Illinois
- Health composite ranks #75 of 192 among scored Illinois credit unions.
- Assets rank #4 of 192 inside Illinois ($5.30B reported).
- Illinois membership ordinal: #8 of 192.
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 State Farm's 5300 filing moved
State Farm: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.0% from $5.30B (2025Q4) to $5.62B (2026Q1).
- Net-worth ratio shifted -0.68 pp (13.79% → 13.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 7.6 pts
Call Report ratios for State Farm
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.11% | +1.93 pp |
| Delinquency Rate | 0.24% | -0.63 pp |
| Return on Assets | 0.59% | +0.08 pp |
| Member Growth | -0.32% | - |
| Loan-to-Share Ratio | 22.61% | -61.29 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
State Farm filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.62B | - |
| 2025Q4 | $5.30B | 113,161 |
| 2024Q4 | $4.44B | 113,527 |
| 2023Q4 | $4.33B | 120,770 |
Credit Union Details
- Charter Number
- 1273
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Illinois
- City
- Bloomington
- Data Quarter
- 2025Q4
Branch Location
State Farm operates a single office in Bloomington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate (Main Office) | Bloomington, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
State Farm nationwide neighbourhoods
Cross-state asset and health neighbours for State Farm - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.30B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- State Farm ranks #1,794 of 4,374 nationally on financial health and #75 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONSUMERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONSUMERS
- 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 State Farm financially healthy?
A 13.11% net worth ratio and a 0.24% delinquency rate feed into State Farm's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,794 of 4,374; by total assets it ranks #78 of 4,374 nationally (same basis as /rankings/largest); and #4 of 192 within Illinois. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does State Farm compare to other credit unions?
PlainCU's health composite puts State Farm at 86/100, compared to a peer group average for Over $500M 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 Farm?
State Farm operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact State Farm directly for the exact boundaries and application steps.
Is my money safe at State Farm?
Federal credit unions like State Farm 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 Farm's net worth ratio of 13.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does State Farm offer compared to banks?
Credit unions like State Farm 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 Farm 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.