Credit Union Safety Analysis
Is State Employees Credit Union Safe? Alton, Illinois
Based on its Q2 2026 NCUA 5300 call report, State Employees Credit Union has a net worth ratio of 20.02%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, State Employees Credit Union's net worth ratio is 20.02%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.02%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.62%
- Loan-to-share ratio (Q2 2026): 67.54%
State Employees Credit Union (NCUA charter 65259, established 1952) reported $6.7M in assets and 1,029 members for Q2 2026 from Alton, Illinois. It ranks 126 of 185 credit unions in Illinois by total assets. Total assets grew 2.4% from $6.5M on June 30, 2025. It has 22 more members than on June 30, 2025 (+2.2%). Its net worth ratio was up 0.93 percentage points from 19.09% on June 30, 2025. Used vehicle loans are its largest loan category, $1.4M of $3.6M in total loans on its June 30, 2026 filing.
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: 19.77% for Q1 2026; 19.09% 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: 0.19% for Q1 2026; 0.47% 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: -0.16% for Q1 2026; 1.66% 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: 71.62% for Q1 2026; 70.70% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.4M
- New vehicle loans: $1.1M
- Other unsecured loans and lines of credit: $1.0M
- Other secured non-real estate loans and lines of credit: $162K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.7M | 20.02% | — | 1.62% | 67.54% |
| March 31, 2026 | $6.6M | 19.77% | 0.19% | -0.16% | 71.62% |
| December 31, 2025 | $6.3M | 20.68% | 0.06% | 3.33% | 78.88% |
| September 30, 2025 | $6.5M | 19.22% | 0.22% | 0.88% | 69.80% |
| June 30, 2025 | $6.5M | 19.09% | 0.47% | 1.66% | 70.70% |
| March 31, 2025 | $6.6M | 18.45% | 0.44% | -2.00% | 67.79% |
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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.
State Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 65259) · FFIEC NIC profile (RSSD 606297)
Frequently asked questions
Is State Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, State Employees Credit Union's net worth ratio is 20.02%, above the 7% NCUA threshold for well capitalized.
Is State Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. State Employees Credit Union is a federally insured credit union (NCUA charter 65259): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are State Employees Credit Union's key safety ratios?
For Q2 2026, State Employees Credit Union reports net worth 20.02%, delinquency not reported, ROA 1.62%, loan-to-share 67.54%.
What happens to my money if State Employees Credit Union fails?
For Q2 2026, State Employees Credit Union held $5.3M in shares and deposits for 1,029 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.