Credit Union Safety Analysis
Is Springfield City Employees Credit Union Safe? Springfield, Illinois
Based on its Q2 2026 NCUA 5300 call report, Springfield City Employees Credit Union has a net worth ratio of 17.15%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.33%, 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, Springfield City Employees Credit Union's net worth ratio is 17.15%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.15%
- Delinquency ratio (60+ days) (Q2 2026): 0.33%
- Return on assets (Q2 2026): 1.27%
- Loan-to-share ratio (Q2 2026): 75.33%
Springfield City Employees Credit Union (NCUA charter 65424, established 1958) reported $12.8M in assets and 1,250 members for Q2 2026 from Springfield, Illinois. It ranks 109 of 185 credit unions in Illinois by total assets. Total assets grew 5.3% from $12.1M on June 30, 2025. It has 38 fewer members than on June 30, 2025 (-3.0%). Its net worth ratio was down 0.19 percentage points from 17.34% on June 30, 2025. New vehicle loans are its largest loan category, $3.7M of $8.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.33% 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: 16.86% for Q1 2026; 17.34% 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: 0.43% for Q1 2026; 0.58% 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: 0.32% for Q1 2026; 1.15% 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: 75.51% for Q1 2026; 73.28% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $3.7M
- Used vehicle loans: $2.6M
- Other secured non-real estate loans and lines of credit: $933K
- Other unsecured loans and lines of credit: $439K
- Unsecured credit card loans: $360K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $12.8M | 17.15% | 0.33% | 1.27% | 75.33% |
| March 31, 2026 | $12.8M | 16.86% | 0.43% | 0.32% | 75.51% |
| December 31, 2025 | $12.7M | 16.92% | 0.44% | 0.91% | 73.37% |
| September 30, 2025 | $12.3M | 17.15% | 0.70% | 0.38% | 72.62% |
| June 30, 2025 | $12.1M | 17.34% | 0.58% | 1.15% | 73.28% |
| March 31, 2025 | $12.5M | 16.58% | 0.71% | 1.63% | 70.37% |
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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.
Springfield City Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 65424) · FFIEC NIC profile (RSSD 97596)
Frequently asked questions
Is Springfield City Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Springfield City Employees Credit Union's net worth ratio is 17.15%, above the 7% NCUA threshold for well capitalized.
Is Springfield City Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Springfield City Employees Credit Union is a federally insured credit union (NCUA charter 65424): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Springfield City Employees Credit Union's key safety ratios?
For Q2 2026, Springfield City Employees Credit Union reports net worth 17.15%, delinquency 0.33%, ROA 1.27%, loan-to-share 75.33%.
What happens to my money if Springfield City Employees Credit Union fails?
For Q2 2026, Springfield City Employees Credit Union held $10.6M in shares and deposits for 1,250 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.