TellerScore

Headquartered in Moline, Illinois, Empeople Credit Union is a federally insured state-chartered credit union with $2.3B in total assets and $2.0B in member shares and deposits as of Q2 2026. It operates 35 offices across 7 states. Its charter dates back to 1935.

Based on its Q2 2026 filing, Empeople Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 454 credit unions with $1 billion – $10 billion. Among 188 credit unions headquartered in Illinois, it ranks 164th. Its strongest component is problem-loan coverage (87/100; 6.3%), and its lowest is capital cushion (33/100; 8.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.31%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity62/100
Loans ÷ shares: 96.1% · 16.7% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.32%

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 rose 3 points (55 → 58), mostly because the earnings component improved by 10 points.

TellerScore
535760Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202454
Q4 202455
Q1 202557
Q2 202555
Q3 202553
Q4 202556
Q1 202660
Q2 202658
Net worth ratio
7.00%7.82%8.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.53%
Q3 20248.63%
Q4 20248.28%
Q1 20258.22%
Q2 20258.17%
Q3 20258.02%
Q4 20258.14%
Q1 20268.26%
Q2 20268.31%
Delinquent loans (60+ days)
0.47%0.60%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.74%
Q4 20240.61%
Q1 20250.48%
Q2 20250.66%
Q3 20250.68%
Q4 20250.54%
Q1 20260.47%
Q2 20260.59%
Return on assets
0.23%0.52%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.27%
Q4 20240.23%
Q1 20250.50%
Q2 20250.50%
Q3 20250.43%
Q4 20250.48%
Q1 20260.80%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$2.3B8.31%0.59%0.74%96.1%
Q1 202660$2.3B8.26%0.47%0.80%93.2%
Q4 202556$2.3B8.14%0.54%0.48%93.4%
Q3 202553$2.2B8.02%0.68%0.43%100.0%
Q2 202555$2.1B8.17%0.66%0.50%97.7%
Q1 202557$2.2B8.22%0.48%0.50%93.3%
Q4 202455$2.2B8.28%0.61%0.23%90.7%
Q3 202454$1.9B8.63%0.74%0.27%97.6%
Q2 202456$2.0B8.53%0.54%0.34%96.1%

454 peers · $1 billion – $10 billion

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 ratio8.31%
4th
Problem loans0.59%
61st
Net charge-offs0.46%
57th
Return on assets0.74%
42nd
Loans to deposits96.1%
23rd
Uninsured deposits16.7%
9th
Loan-loss reserves0.00%
50th
Texas ratio6.3%
35th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
I. H. Mississippi Valley Credit UnionCredit union Moline, IL61 out of 100, Moderate$2.3B9.1%0.86%vs
Scott Credit UnionCredit union Edwardsville, IL71 out of 100, Strong$1.9B10.1%0.54%vs
Credit Union 1Credit union Lombard, IL68 out of 100, Moderate$2.9B10.9%1.35%vs
Great Lakes Credit UnionCredit union Bannockburn, IL52 out of 100, Below average$1.4B9.1%1.26%vs
Vibrant Credit UnionCredit union Moline, IL42 out of 100, Below average$1.2B8.0%1.59%vs
Selfreliance Federal Credit UnionCredit union Chicago, IL71 out of 100, Strong$1.2B12.3%0.92%vs

Deposit insurance

Is my money safe at Empeople Credit Union?

Yes. Empeople Credit Union is a federally insured credit union (NCUA charter #68598). 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 16.7% of shares and deposits ($341.8M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.31%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

35 locations

Branches

Empeople Credit Union lists 35 offices in 24 cities across 7 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Empeople Credit Union reported 3,443 home-loan applications under HMDA (LEI 254900378RFGMBEKAF12): 2,166 originated ($389,290,000 total), 756 denied, and 501 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Empeople Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68598
RSSD ID
769594
Primary regulator
State + NCUA
Established
1935
Headquarters
3950 38th Ave, Moline, IL 61265
Employees
278

Quick answers

Empeople Credit Union: common questions

Is Empeople Credit Union NCUA insured?

Yes. Empeople Credit Union is a federally insured credit union (NCUA charter #68598). 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 Empeople Credit Union's TellerScore?

58 out of 100 (Moderate), 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 Empeople Credit Union have?

35 offices as of the latest NCUA data, in 7 states.

Nearby

Highest-scoring banks and credit unions with branches near Moline

InstitutionScoreAssetsCapitalProblem loansCompare
Kone Employees Credit UnionCredit union Moline, IL94 out of 100, Very strong$20.7M17.5%0.55%vs
Blue Grass Savings BankBank Blue Grass, IA89 out of 100, Very strong$225.5M14.3%0.34%vs
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
Liberty Trust & Savings BankBank Durant, IA86 out of 100, Very strong$186.2M20.7%0.86%vs
First Central State BankBank Dewitt, IA83 out of 100, Strong$772.4M13.4%0.21%vs
Service Plus Credit UnionCredit union Moline, IL81 out of 100, Strong$34.7M12.3%0.46%vs