TellerScore

Effingham Highway Credit Union is a non-federally insured state credit union headquartered in Effingham, Illinois. At the end of Q2 2026 it reported $5.9M in total assets and $4.7M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Effingham Highway Credit Union scores 94/100, which we describe as very strong. That is higher than 95% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 14th. Its strongest component is capital cushion (100/100; 19.83%), and its lowest is funding & liquidity (57/100; 103% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.83%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.22%
Funding & liquidity57/100
Loans ÷ shares: 102.8% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 (95 → 94).

TellerScore
828995Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202494
Q3 202488
Q4 202482
Q1 202590
Q2 202595
Q3 202594
Q4 202595
Q1 202694
Q2 202694
Net worth ratio
7.00%13.41%19.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.02%
Q3 202416.36%
Q4 202417.03%
Q1 202517.25%
Q2 202517.96%
Q3 202518.97%
Q4 202519.62%
Q1 202619.49%
Q2 202619.83%
Delinquent loans (60+ days)
0.00%0.72%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.67%
Q4 20241.44%
Q1 20250.60%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.84%2.36%2.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.84%
Q3 20241.88%
Q4 20242.03%
Q1 20252.45%
Q2 20252.89%
Q3 20252.71%
Q4 20252.77%
Q1 20262.50%
Q2 20262.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$5.9M19.83%0.00%2.22%102.8%
Q1 202694$5.8M19.49%0.00%2.50%102.1%
Q4 202595$5.6M19.62%0.00%2.77%96.6%
Q3 202594$5.6M18.97%0.00%2.71%97.8%
Q2 202595$5.7M17.96%0.00%2.89%93.9%
Q1 202590$5.7M17.25%0.60%2.45%90.3%
Q4 202482$5.7M17.03%1.44%2.03%94.4%
Q3 202488$5.7M16.36%0.67%1.88%94.2%
Q2 202494$5.7M16.02%0.00%1.84%94.0%

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 ratio19.83%
76th
Problem loans0.00%
94th
Net charge-offs0.68%
21st
Return on assets2.22%
96th
Loans to deposits102.8%
2nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.51%
78th
Texas ratio0.0%
93rd

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Peoria Bell Credit UnionCredit union Peoria, IL75 out of 100, Strong$6.0M42.6%0.00%vs
South Side Community Federal Credit UnionCredit union Chicago, IL73 out of 100, Strong$5.7M18.5%0.82%vs
Carbondale Highway Credit UnionCredit union Carbondale, IL90 out of 100, Very strong$5.6M15.6%0.00%vs
A.S.H. Employees Credit UnionCredit union Anna, IL85 out of 100, Very strong$5.6M19.8%0.43%vs
For Members Only Federal Credit UnionCredit union Chicago, IL77 out of 100, Strong$6.3M14.8%—vs
Peoria City Employees Credit UnionCredit union Peoria, IL79 out of 100, Strong$6.4M21.2%1.66%vs

Deposit insurance

Is my money safe at Effingham Highway Credit Union?

Effingham Highway Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) 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 19.83%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Effingham Highway Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Effingham Highway Credit Union
Type
Non-federally insured state credit union
NCUA charter #
81553
RSSD ID
268798
Primary regulator
State + NCUA
Headquarters
P.O. Box 1161, Effingham, IL 62401
Employees
2

Quick answers

Effingham Highway Credit Union: common questions

Is Effingham Highway Credit Union NCUA insured?

Effingham Highway Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Effingham Highway Credit Union's TellerScore?

94 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 Effingham Highway Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Effingham

InstitutionScoreAssetsCapitalProblem loansCompare
Teutopolis State BankBank Teutopolis, IL97 out of 100, Very strong$358.5M14.7%0.00%vs
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs
First State Bank of Beecher CityBank Beecher City, IL88 out of 100, Very strong$112.2M16.0%0.81%vs
First State Bank of St. PeterBank Saint Peter, IL83 out of 100, Strong$30.1M18.5%1.71%vs
Washington Savings BankBank Effingham, IL77 out of 100, Strong$585.3M12.1%0.29%vs
Shelby County State BankBank Shelbyville, IL76 out of 100, Strong$363.2M10.4%0.31%vs