Credit Union Safety Analysis
Is Empeople Credit Union Safe? Moline, Illinois
Based on its Q2 2026 NCUA 5300 call report, Empeople Credit Union has a net worth ratio of 8.31%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.59%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Empeople Credit Union's net worth ratio is 8.31%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.31%
- Delinquency ratio (60+ days) (Q2 2026): 0.59%
- Return on assets (Q2 2026): 0.67%
- Loan-to-share ratio (Q2 2026): 96.06%
Empeople Credit Union (NCUA charter 68598, established 1935) reported $2.26B in assets and 74,228 members for Q2 2026 from Moline, Illinois. It ranks 8 of 185 credit unions in Illinois by total assets. Total assets grew 5.8% from $2.14B on June 30, 2025. It has 2,219 fewer members than on June 30, 2025 (-2.9%). Its net worth ratio was up 0.14 percentage points from 8.17% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.36B of $1.97B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.59% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.26% for Q1 2026; 8.17% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.47% for Q1 2026; 0.66% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.80% for Q1 2026; 0.48% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 93.24% for Q1 2026; 97.74% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.36B
- Used vehicle loans: $161.4M
- Commercial loans: $139.0M
- New vehicle loans: $127.1M
- Unsecured credit card loans: $96.7M
- Other secured non-real estate loans and lines of credit: $43.9M
- Other unsecured loans and lines of credit: $39.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.26B | 8.31% | 0.59% | 0.67% | 96.06% |
| March 31, 2026 | $2.28B | 8.26% | 0.47% | 0.80% | 93.24% |
| December 31, 2025 | $2.28B | 8.14% | 0.54% | 0.70% | 93.41% |
| September 30, 2025 | $2.20B | 8.02% | 0.68% | 0.31% | 100.02% |
| June 30, 2025 | $2.14B | 8.17% | 0.66% | 0.48% | 97.74% |
| March 31, 2025 | $2.18B | 8.22% | 0.48% | 0.50% | 93.25% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68598) · FFIEC NIC profile (RSSD 769594)
Frequently asked questions
Is Empeople Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Empeople Credit Union's net worth ratio is 8.31%, above the 7% NCUA threshold for well capitalized.
Is Empeople Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Empeople Credit Union is a federally insured credit union (NCUA charter 68598): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Empeople Credit Union's key safety ratios?
For Q2 2026, Empeople Credit Union reports net worth 8.31%, delinquency 0.59%, ROA 0.67%, loan-to-share 96.06%.
What happens to my money if Empeople Credit Union fails?
For Q2 2026, Empeople Credit Union held $2.05B in shares and deposits for 74,228 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.