Credit Union Safety Analysis
Is Select Employees Credit Union Safe? Sterling, Illinois
Based on its Q2 2026 NCUA 5300 call report, Select Employees Credit Union has a net worth ratio of 12.63%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.26%, 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, Select Employees Credit Union's net worth ratio is 12.63%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.63%
- Delinquency ratio (60+ days) (Q2 2026): 0.26%
- Return on assets (Q2 2026): 1.48%
- Loan-to-share ratio (Q2 2026): 68.23%
Select Employees Credit Union (NCUA charter 60531, established 1957) reported $78.6M in assets and 5,876 members for Q2 2026 from Sterling, Illinois. It ranks 57 of 185 credit unions in Illinois by total assets. Total assets grew 8.8% from $72.2M on June 30, 2025. It has 126 more members than on June 30, 2025 (+2.2%). Its net worth ratio was up 0.39 percentage points from 12.24% on June 30, 2025. Used vehicle loans are its largest loan category, $17.3M of $46.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.26% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.27% for Q1 2026; 12.24% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.10% for Q1 2026; 0.12% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.61% for Q1 2026; 1.70% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 69.45% for Q1 2026; 78.00% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $17.3M
- New vehicle loans: $11.9M
- 1- to 4-family residential and other consumer real estate loans: $11.4M
- Other unsecured loans and lines of credit: $3.6M
- Other secured non-real estate loans and lines of credit: $1.6M
- Unsecured credit card loans: $914K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $78.6M | 12.63% | 0.26% | 1.48% | 68.23% |
| March 31, 2026 | $78.7M | 12.27% | 0.10% | 1.61% | 69.45% |
| December 31, 2025 | $75.8M | 12.31% | 0.53% | 0.93% | 73.65% |
| September 30, 2025 | $72.7M | 12.60% | 0.41% | 1.79% | 78.81% |
| June 30, 2025 | $72.2M | 12.24% | 0.12% | 1.70% | 78.00% |
| March 31, 2025 | $72.2M | 11.84% | 0.56% | 2.28% | 73.27% |
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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.
Select Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 60531) · FFIEC NIC profile (RSSD 489191)
Frequently asked questions
Is Select Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Select Employees Credit Union's net worth ratio is 12.63%, above the 7% NCUA threshold for well capitalized.
Is Select Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Select Employees Credit Union is a federally insured credit union (NCUA charter 60531): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Select Employees Credit Union's key safety ratios?
For Q2 2026, Select Employees Credit Union reports net worth 12.63%, delinquency 0.26%, ROA 1.48%, loan-to-share 68.23%.
What happens to my money if Select Employees Credit Union fails?
For Q2 2026, Select Employees Credit Union held $68.4M in shares and deposits for 5,876 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.