State credit union · Chicago, Illinois · NCUA charter #61793
U. S. Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $101.7M
- Total assets
- 5,957
- Members
- 12.8%
- Net-worth ratio
U. S. Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $101.7M; members 5,957; net-worth ratio 12.85%; health rank #2,975 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,975 of 4,374 health · 2025Q4U. S. Employees · health 78/100 · $101.7M · 2025Q4
- ASSETS 78/100
- MEM 12.8%
- RANK 0.54%
- PHOTO 0.68%
- BOOK $101.7M
- CHARTER 5,957
- NCUSIF #2,975/4,374
- CAMELS GLENDALE
- HEALTH 61793
Call Report peers
U. S. Employees in the assets neighbourhood
U. S. Employees's $101.7M assets sit next to GLENDALE ($101.6M) 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.
U. S. Employees 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
78 31st percentile higher than 31% 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
U. S. Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61793. See our deposit-insurance coverage note.
Peer-gap read for U. S. Employees
- Largest favorable gap: Net Worth Ratio at 12.85% vs peer 12.11% (+0.74 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -41.01 pp (31.19% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
U. S. Employees: in-state Call Report ranks
- In Illinois, health place is #135 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, U. S. Employees is #54 of 192 in Illinois.
- Illinois membership ordinal: #60 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 U. S. Employees's 5300 filing moved
U. S. Employees: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $99.3M (2024Q4) to $101.7M (2025Q4).
- Membership moved -8.2% from 6,490 to 5,957 over the same window.
- Net-worth ratio shifted +1.01 pp (11.84% → 12.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.85% | +0.74 pp |
| Delinquency Rate | 0.54% | -0.35 pp |
| Return on Assets | 0.68% | +0.06 pp |
| Member Growth | -8.21% | - |
| Loan-to-Share Ratio | 31.19% | -41.01 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).
Call Report history - U. S. Employees
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $101.7M | 5,957 |
| 2024Q4 | $99.3M | 6,490 |
| 2023Q4 | $99.0M | 7,107 |
Credit Union Details
- Charter Number
- 61793
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
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.
Other-state peers near U. S. Employees
Two NCUA Call Report peer sets for U. S. Employees, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($101.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- U. S. Employees ranks #2,975 of 4,374 nationally on financial health and #135 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members First Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members First 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 U. S. Employees financially healthy?
U. S. Employees has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,975 of 4,374; by total assets it ranks #1,807 of 4,374 nationally (same basis as /rankings/largest); and #54 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.85% and delinquency rate of 0.54%.
How does U. S. Employees compare to other credit unions?
78/100 is U. S. Employees's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 U. S. Employees?
Membership eligibility for U. S. Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact U. S. Employees directly for current membership requirements and application steps.
Is my money safe at U. S. Employees?
Federal credit unions like U. S. 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. U. S. Employees's net worth ratio of 12.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U. S. Employees offer compared to banks?
Credit unions like U. S. 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 U. S. Employees 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.