TellerScore

Headquartered in Danville, Illinois, Education Personnel Federal Credit Union is a federal credit union with $74.3M in total assets and $65.6M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1937.

Education Personnel Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 91st. Funding & liquidity contributes the most (100/100, 51% loans-to-deposits, 2% uninsured); earnings contributes the least (50/100, 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.26%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity100/100
Loans ÷ shares: 50.7% · 2.2% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.37%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).

TellerScore
687276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202470
Q1 202571
Q2 202575
Q3 202568
Q4 202569
Q1 202674
Q2 202676
Net worth ratio
7.00%9.71%12.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.14%
Q3 202412.43%
Q4 202412.27%
Q1 202511.68%
Q2 202511.96%
Q3 202512.29%
Q4 202512.21%
Q1 202611.96%
Q2 202612.26%
Delinquent loans (60+ days)
0.32%0.85%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.80%
Q3 20240.97%
Q4 20240.95%
Q1 20250.54%
Q2 20250.32%
Q3 20251.39%
Q4 20251.16%
Q1 20260.65%
Q2 20260.60%
Return on assets
0.06%0.40%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 20240.28%
Q4 20240.35%
Q1 20250.18%
Q2 20250.41%
Q3 20250.51%
Q4 20250.45%
Q1 20260.56%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$74.3M12.26%0.60%0.75%50.7%
Q1 202674$74.8M11.96%0.65%0.56%44.9%
Q4 202569$72.4M12.21%1.16%0.45%47.7%
Q3 202568$71.6M12.29%1.39%0.51%48.6%
Q2 202575$72.5M11.96%0.32%0.41%49.0%
Q1 202571$73.3M11.68%0.54%0.18%47.6%
Q4 202470$69.5M12.27%0.95%0.35%53.1%
Q3 202470$67.9M12.43%0.97%0.28%56.0%
Q2 202468$68.5M12.14%0.80%0.06%57.1%

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).

Capital ratio12.26%
33rd
Problem loans0.60%
54th
Net charge-offs0.06%
62nd
Return on assets0.75%
55th
Loans to deposits50.7%
63rd
Uninsured deposits2.2%
43rd
Loan-loss reserves0.00%
37th
Texas ratio2.4%
49th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Gale Credit UnionCredit union Galesburg, IL73 out of 100, Strong$73.7M10.6%0.33%vs
Midwest Coalition of Labor Credit UnionCredit union Countryside, IL85 out of 100, Very strong$77.1M15.5%0.93%vs
Select Employees Credit UnionCredit union Sterling, IL86 out of 100, Very strong$78.6M12.6%0.26%vs
Metro Federal Credit UnionCredit union Arlington Heigh, IL68 out of 100, Moderate$80.0M9.6%0.83%vs
Northwest Community Credit UnionCredit union Morton Grove, IL51 out of 100, Below average$66.6M9.4%1.27%vs
United Equity Credit UnionCredit union Decatur, IL94 out of 100, Very strong$66.2M18.7%0.23%vs

Deposit insurance

Is my money safe at Education Personnel Federal Credit Union?

Yes. Education Personnel Federal Credit Union is a federally insured credit union (NCUA charter #1969). 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 2.2% of shares and deposits ($1.4M) 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 12.26%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Education Personnel Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Education Personnel Federal Credit Union
Type
Federal credit union
NCUA charter #
1969
RSSD ID
14472
Primary regulator
NCUA
Established
1937
Headquarters
1102 N Walnut St, Danville, IL 61832
Employees
15

Quick answers

Education Personnel Federal Credit Union: common questions

Is Education Personnel Federal Credit Union NCUA insured?

Yes. Education Personnel Federal Credit Union is a federally insured credit union (NCUA charter #1969). 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 Education Personnel Federal Credit Union's TellerScore?

76 out of 100 (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 Education Personnel Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

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Fowler State BankBank Fowler, IN80 out of 100, Strong$190.3M15.5%0.61%vs
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Philo Exchange BankBank Philo, IL76 out of 100, Strong$156.6M10.2%0.02%vs