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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,589 of 4,374 health · 2025Q4Western Illinois School · health 87/100 · $23.0M · 2025Q4
- MEM 87/100
- RANK 16.1%
- PHOTO 0.26%
- BOOK 0.77%
- CHARTER $23.0M
- NCUSIF 1,672
- CAMELS #1,589/4,374
- HEALTH DILLARD'S
- NW 65426
Call Report peers
Western Illinois School Employees in the assets neighbourhood
Western Illinois School Employees's $23.0M assets sit next to DILLARD'S ($23.0M) 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.
Western Illinois School 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #65426 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Western Illinois School Employees: 2025Q4 → 2026Q1
Western Illinois School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $23.0M (2025Q4) to $23.7M (2026Q1).
- Net-worth ratio shifted -0.40 pp (16.54% → 16.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Western Illinois School Employees - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 Western Illinois School Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Western Illinois School Employees carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,589 of 4,374; by total assets it ranks #3,059 of 4,374 nationally (same basis as /rankings/largest); and #99 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.14% net worth ratio and a 0.26% delinquency rate.
How does Western Illinois School Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Western Illinois School Employees's 87/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Western Illinois 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. Western Illinois School Employees's net worth ratio of 16.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Western Illinois School Employees offer compared to banks?
Credit unions like Western Illinois 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 Western Illinois School 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.