N I C E Employees Federal Credit Union Saint Charles, Illinois
N I C E Employees Federal Credit Union is a federal credit union headquartered in Saint Charles, IL, established in 1949 (NCUA charter 24039), and it is regulated and insured by the NCUA. At Q2 2026 it reported 352 members and total assets of $2.6M (up 7.9% from Q2 2025), the 151st largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 7.37% at Q2 2026, in the well capitalized band.
Also written as NICE Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24039
- Headquarters
- Saint Charles, IL
- Established
- 1949
- Total assets, Q2 2026
- $2.6M
- Assets vs Q2 2025
- +7.9%
- Members, Q2 2026
- 352
- Net worth ratio, Q2 2026
- 7.37%
- Latest call report
- Q2 2026, NCUA 5300 · N I C E Employees Federal Credit Union call report
- Asset rank in state
- 151st of 185 in Illinois
- Routing number
- 271988948
- Branches
- 1
It has 6 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was down 0.47 percentage points from 7.84% on June 30, 2025. New vehicle loans are its largest loan category, $637K of $1.7M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Illinois
Frequently asked about N I C E Employees Federal Credit Union
How big is N I C E Employees Federal Credit Union?
At Q2 2026 it reported total assets of $2.6M and 352 members.
Where is N I C E Employees Federal Credit Union headquartered?
It is headquartered in Saint Charles, IL, United States.
When was N I C E Employees Federal Credit Union founded?
It was established in 1949, per NCUA records.
Is N I C E Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24039): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates N I C E Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is N I C E Employees Federal Credit Union well capitalized?
Its net worth ratio was 7.37% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is N I C E Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 68.41% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Charles, IL 60174
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 24039
- RSSD ID
- 627199
- Members
- 352
- Potential members
- 950
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 7.37% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.15% | 0.72% | 25th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.05% | 4.74% | 32nd below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.70% | 3.93% | 79th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 96.31% | 79.83% | 20th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.93% | 0.78% | 42nd below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.64% | 4.70% | 81st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 68.41% | 58.92% | 64th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.6M total assets against $2.4M; $2.4M total shares and deposits against $2.3M; $1.7M total loans against $1.7M.
$195K net worth against $192K.
7.37% net worth ratio against 7.84%.
68.41% loan-to-share ratio against 73.68%.
0.15% return on assets against -0.13%; 2.05% return on equity against -1.72%.
4.70% net interest margin against 5.59%.
352 members against 358.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.37% | 0.15% | — | 68.41% |
| March 31, 2026 | 7.42% | 0.25% | — | 70.36% |
| December 31, 2025 | 7.65% | -0.16% | 0.23% | 74.87% |
| September 30, 2025 | 7.01% | 0.18% | 0.28% | 68.36% |
| June 30, 2025 | 7.84% | -0.13% | 2.37% | 73.68% |
| March 31, 2025 | 7.94% | 0.26% | — | 74.93% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.