Western Illinois School Employees Credit Union Quincy, Illinois
Western Illinois School Employees Credit Union is a state-chartered credit union headquartered in Quincy, IL, established in 1936 (NCUA charter 65426), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,691 members and total assets of $24.0M (up 3.5% from Q2 2025), the 92nd largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 16.08% at Q2 2026, in the well capitalized band.
Also written as Western Illinois School Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 65426
- Headquarters
- Quincy, IL
- Established
- 1936
- Total assets, Q2 2026
- $24.0M
- Assets vs Q2 2025
- +3.5%
- Members, Q2 2026
- 1,691
- Net worth ratio, Q2 2026
- 16.08%
- Latest call report
- Q2 2026, NCUA 5300 · Western Illinois School Employees Credit Union call report
- Asset rank in state
- 92nd of 185 in Illinois
- Routing number
- 281277319
- Branches
- 1
It has 5 fewer members than on June 30, 2025 (-0.3%). Its net worth ratio was down 0.10 percentage points from 16.18% on June 30, 2025. Used vehicle loans are its largest loan category, $9.8M of $16.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.17% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.08% net worth ratio is above that band's 14.31% median.
Frequently asked about Western Illinois School Employees Credit Union
How big is Western Illinois School Employees Credit Union?
At Q2 2026 it reported total assets of $24.0M and 1,691 members.
Where is Western Illinois School Employees Credit Union headquartered?
It is headquartered in Quincy, IL, United States.
When was Western Illinois School Employees Credit Union founded?
It was established in 1936, per NCUA records.
Is Western Illinois School Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65426): 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 Western Illinois School Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Western Illinois School Employees Credit Union well capitalized?
Its net worth ratio was 16.08% 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 Western Illinois School Employees Credit Union's delinquency ratio?
Its delinquency ratio was 0.17% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Western Illinois School Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.66% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Quincy, IL 62301
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 65426
- RSSD ID
- 444293
- Members
- 1,691
- Potential members
- 2,500
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 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.08% | 14.31% | 59th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.57% | 0.72% | 43rd below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.55% | 4.74% | 42nd below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.03% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 73.10% | 79.83% | 64th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.24% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.17% | 0.86% | 86th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.28% | 4.70% | 28th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 82.66% | 58.92% | 83rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$24.0M total assets against $23.2M; $20.0M total shares and deposits against $19.2M; $16.5M total loans against $17.2M.
$3.9M net worth against $3.8M.
16.08% net worth ratio against 16.18%.
82.66% loan-to-share ratio against 89.63%.
0.17% delinquency ratio against 0.15%.
0.57% return on assets against 0.48%; 3.55% return on equity against 2.97%.
2.03% net interest margin against 2.69%.
1,691 members against 1,696.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.08% | 0.57% | 0.17% | 82.66% |
| March 31, 2026 | 16.14% | 0.34% | 0.41% | 84.30% |
| December 31, 2025 | 16.54% | 0.49% | 0.26% | 86.47% |
| September 30, 2025 | 16.78% | 0.46% | 0.16% | 91.48% |
| June 30, 2025 | 16.18% | 0.48% | 0.15% | 89.63% |
| March 31, 2025 | 16.53% | 0.30% | 0.31% | 93.58% |
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.