State credit union · Taylorville, Illinois · NCUA charter #65874
Taylorville School Employees
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $1.9M
- Total assets
- 402
- Members
- 21.9%
- Net-worth ratio
Taylorville School Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #65874 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Taylorville School Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth11
- Liquidity (loan-to-share)100
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
21.90% 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 | 21.90% | 30% |
| Delinquency Rate | 5.39% | 25% |
| Return on Assets | 2.70% | 15% |
| Member Growth | -4.06% | 15% |
| Loan-to-Share Ratio | 81.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.9M | 402 |
| 2024Q4 | $1.8M | 419 |
| 2023Q4 | $2.0M | 425 |
Credit Union Details
- Charter Number
- 65874
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Taylorville
- Data Quarter
- 2025Q4
What This Data Says About Taylorville School Employees
The five-factor composite scores Taylorville School Employees at 62/100 (Good), reflecting a net worth ratio of 21.90% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Taylorville, Illinois, reports 402 members, $1.9M in total assets, and $1.2M in outstanding loans as of Q4 2025 under charter #65874 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
5.39% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Deposit deployment is captured by the 81.77% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.70% on net income of $51K 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 -4.06%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
- AURORA POSTAL EMPLOYEESAurora, IL · Under $2M68Health
- PARK MANOR CHRISTIAN CHURCHCHICAGO, IL · Under $2M64Health
- COLLEGE AND UNIVERSITYChicago, IL · Under $2M74Health
- ETHICON SUTURERiver Forest, IL · Under $2M91Health
- CLIFFORD-JACOBS EMPLOYEESCHAMPAIGN, IL · Under $2M70Health
Compare Taylorville School Employees vs AURORA POSTAL EMPLOYEES
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 Taylorville School Employees financially healthy?
Taylorville School Employees has a financial health score of 62/100 (Good) 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 21.90% and delinquency rate of 5.39%.
How does Taylorville School Employees compare to other credit unions?
PlainCU's health composite puts Taylorville School Employees at 62/100, compared to a peer group average for Under $2M 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 Taylorville School Employees?
Membership eligibility for Taylorville School Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Taylorville School Employees directly for current membership requirements and application steps.
Is my money safe at Taylorville School Employees?
Federal credit unions like Taylorville School Employees 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. Taylorville School Employees's net worth ratio of 21.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Taylorville School Employees offer compared to banks?
Credit unions like Taylorville School Employees 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 Taylorville School Employees 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.