Headquartered in Mattoon, Illinois, Area Educational Credit Union is a federally insured state-chartered credit union with $33.7M in total assets and $26.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1960.
Area Educational Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 32nd. Capital cushion contributes the most (100/100, 20.35%); loan quality contributes the least (69/100, 0.92%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (91 → 87), mostly because the loan quality component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 76 |
| Q4 2024 | 81 |
| Q1 2025 | 88 |
| Q2 2025 | 91 |
| Q3 2025 | 91 |
| Q4 2025 | 85 |
| Q1 2026 | 94 |
| Q2 2026 | 87 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 21.01% |
| Q3 2024 | 21.79% |
| Q4 2024 | 21.31% |
| Q1 2025 | 20.57% |
| Q2 2025 | 20.72% |
| Q3 2025 | 21.42% |
| Q4 2025 | 20.82% |
| Q1 2026 | 20.41% |
| Q2 2026 | 20.35% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.31% |
| Q3 2024 | 1.90% |
| Q4 2024 | 1.06% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.92% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 1.11% |
| Q4 2024 | 0.72% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.43% |
| Q4 2025 | 0.69% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $33.7M | 20.35% | 0.92% | 1.34% | 45.7% |
| Q1 2026 | 94 | $33.2M | 20.41% | 0.24% | 1.50% | 48.1% |
| Q4 2025 | 85 | $31.9M | 20.82% | 0.54% | 0.69% | 51.3% |
| Q3 2025 | 91 | $31.6M | 21.42% | 0.48% | 1.43% | 53.8% |
| Q2 2025 | 91 | $32.1M | 20.72% | 0.51% | 1.40% | 53.0% |
| Q1 2025 | 88 | $31.7M | 20.57% | 0.83% | 1.38% | 54.5% |
| Q4 2024 | 81 | $30.1M | 21.31% | 1.06% | 0.72% | 58.5% |
| Q3 2024 | 76 | $29.6M | 21.79% | 1.90% | 1.11% | 60.8% |
| Q2 2024 | 80 | $30.3M | 21.01% | 1.31% | 1.01% | 58.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Canals & Trails Credit UnionCredit union Lockport, IL | 81 out of 100, Strong | $34.2M | 11.1% | 0.23% | vs |
| Service Plus Credit UnionCredit union Moline, IL | 81 out of 100, Strong | $34.7M | 12.3% | 0.46% | vs |
| Illinois Valley Credit UnionCredit union Peru, IL | 58 out of 100, Moderate | $36.3M | 10.1% | 0.34% | vs |
| Siue Credit UnionCredit union Edwardsville, IL | 74 out of 100, Strong | $30.7M | 10.6% | 0.22% | vs |
| Sherwin Williams Emp. Credit UnionCredit union South Holland, IL | 71 out of 100, Strong | $37.0M | 13.6% | 0.94% | vs |
| Elca Federal Credit UnionCredit union Chicago, IL | 67 out of 100, Moderate | $30.1M | 10.9% | 0.18% | vs |
Deposit insurance
Is my money safe at Area Educational Credit Union?
Yes. Area Educational Credit Union is a federally insured credit union (NCUA charter #62500). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 1.0% of shares and deposits ($275K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 20.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Area Educational Credit Union lists 1 office in 1 city. Most locations:
- Mattoon, IL (1)
Identity & history
Profile
- Legal name
- Area Educational Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62500
- RSSD ID
- 680596
- Primary regulator
- State + NCUA
- Established
- 1960
- Headquarters
- 812 Charleston Ave, Mattoon, IL 61938
- Employees
- 5
Quick answers
Area Educational Credit Union: common questions
Is Area Educational Credit Union NCUA insured?
Yes. Area Educational Credit Union is a federally insured credit union (NCUA charter #62500). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Area Educational Credit Union's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Area Educational Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Mattoon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Teutopolis State BankBank Teutopolis, IL | 97 out of 100, Very strong | $358.5M | 14.7% | 0.00% | vs |
| Blaw-Knox Credit UnionCredit union Mattoon, IL | 92 out of 100, Very strong | $13.4M | 19.9% | 0.23% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Washington Savings BankBank Effingham, IL | 77 out of 100, Strong | $585.3M | 12.1% | 0.29% | vs |
| Shelby County State BankBank Shelbyville, IL | 76 out of 100, Strong | $363.2M | 10.4% | 0.31% | vs |