State credit union · QUINCY, Illinois · NCUA charter #65426
Western Illinois School Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $23.0M
- Total assets
- 1,672
- Members
- 16.1%
- Net-worth ratio
Western Illinois School Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.0M; members 1,672; net-worth ratio 16.14%; health rank #1,589 of 4,374; healthier than 60th of scored peers.
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NCUA 5300 Call Report Masthead
#1,589 of 4,374 health · 2025Q4Western Illinois School · health 87/100 · $23.0M · 2025Q4
Call Report peers
Western Illinois School Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Western Illinois School Employees vs every NCUA-scored credit union
Western Illinois School Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Western Illinois School Employees vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 86.47% vs peer 59.80% (+26.67 pp).
Illinois standing for Western Illinois School Employees
- In Illinois, health place is #61 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #99 of 192 inside Illinois ($23.0M reported).
- Member book place in Illinois: #110 of 192.
- One place up in Illinois, Community Plus (#60) ties at 87/100; one place down, Aurora Policemen (#62) ties at 87/100.
Western Illinois School Employees: 2025Q4 → 2026Q1
Western Illinois School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $23.0M (2025Q4) to $23.7M (2026Q1).
- Net-worth ratio shifted -0.40 pp (16.54% → 16.14%).
16.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Western Illinois School Employees gives up 13 points in total. Member Growth costs the most, 12.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.2 pts
- Loan-to-Share Ratio 14.8 pts
Western Illinois School health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.14% | +1.28 pp |
| Delinquency Rate | 0.26% | -0.89 pp |
| Return on Assets | 0.77% | +0.07 pp |
| Member Growth | -3.80% | - |
| Loan-to-Share Ratio | 86.47% | +26.67 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Western Illinois School filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.7M | - |
| 2025Q4 | $23.0M | 1,672 |
| 2024Q4 | $22.4M | 1,738 |
| 2023Q4 | $22.7M | 1,679 |
Credit Union Details
- Charter Number
- 65426
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- QUINCY
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Western Illinois School Employees runs one office.
| Office | City |
|---|---|
| WESTERN IL SCHOOL EMPLOYEES CREDIT UNION (Main Office) | QUINCY, 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.
- ELITE COMMUNITYBourbonnais, IL · $10M–$50M87Health
- GENERATIONSRockford, IL · $10M–$50M80Health
- ROCKFORD MUNICIPAL EMPLOYEESRockford, IL · $10M–$50M85Health
- TEE-PAKDanville, IL · $10M–$50M69Health
- 2 RIVERS AREAKANKAKEE, IL · $10M–$50M75Health
Compare Western Illinois School Employees vs ELITE COMMUNITY
Other-state peers near Western Illinois School Employees
Similar total assets
Similar health score
Using this data
- Western Illinois School Employees ranks #1,589 of 4,374 nationally on financial health and #61 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Elite Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Elite Community
Frequently Asked Questions
Is Western Illinois School Employees financially healthy?
Western Illinois School Employees has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,589 of 4,374 nationally on health and #61 of 192 in Illinois. Its net worth ratio is 16.14% and its delinquency rate 0.26%.
How does Western Illinois School Employees compare to other credit unions?
Western Illinois School Employees scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (86.47% vs 59.80%).
How can I join Western Illinois School Employees?
Membership eligibility for Western Illinois 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 Western Illinois School Employees directly for current membership requirements and application steps.
Is my money safe at Western Illinois School Employees?
Western Illinois School 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. Western Illinois School Employees's net worth ratio of 16.14% 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.