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
Call Report peers
U. S. Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); U. S. Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Illinois, MERCER (#134) ties at 78/100; one place down, Peoria City Employees (#136) scores 77/100, 1 point lower.
How U. S. Employees's 5300 filing moved
U. S. Employees: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
U. S. Employees gives up 22 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is U. S. Employees financially healthy?
U. S. Employees has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,975 of 4,374 nationally on health and #135 of 192 in Illinois. Its net worth ratio is 12.85% and its delinquency rate 0.54%.
How does U. S. Employees compare to other credit unions?
U. S. Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.85% vs 12.11%). Its widest shortfall is loan-to-share ratio (31.19% vs 72.20%).
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?
U. S. Employees 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. U. S. Employees's net worth ratio of 12.85% 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.