State credit union · Urbana, Illinois · NCUA charter #64568
Urbana Municipal Employees
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $5.0M
- Total assets
- 769
- Members
- 14.3%
- Net-worth ratio
Urbana Municipal Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #64568. See our deposit-insurance coverage note.
Urbana Municipal Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)63
- Earnings (ROA)100
- Member growth84
- 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.
14.33% 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 | 14.33% | 30% |
| Delinquency Rate | 1.57% | 25% |
| Return on Assets | 1.69% | 15% |
| Member Growth | 2.95% | 15% |
| Loan-to-Share Ratio | 71.75% | 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 | $5.0M | 769 |
| 2024Q4 | $4.2M | 747 |
| 2023Q4 | $4.1M | 791 |
Credit Union Details
- Charter Number
- 64568
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Urbana
- Data Quarter
- 2025Q4
What This Data Says About Urbana Municipal Employees
Charter #64568, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Urbana Municipal Employees, a state credit union in Urbana, Illinois with 769 members, $5.0M in total assets, and $3.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 88/100 (Excellent), helped by a net worth ratio of 14.33% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
1.57% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 71.75% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.69% on net income of $84K 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 2.95%. 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
More federally-insured credit unions based in Illinois, ordered by peer group match 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 Urbana Municipal Employees financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Urbana Municipal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.33% net worth ratio and 1.57% delinquency rate are the key drivers.
How does Urbana Municipal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Urbana Municipal Employees's 88/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Urbana Municipal Employees?
Membership eligibility for Urbana Municipal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Urbana Municipal Employees directly for current membership requirements and application steps.
Is my money safe at Urbana Municipal Employees?
Federal credit unions like Urbana Municipal 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. Urbana Municipal Employees's net worth ratio of 14.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Urbana Municipal Employees offer compared to banks?
Credit unions like Urbana Municipal 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 Urbana Municipal 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.