TellerScore

Headquartered in Springfield, Illinois, Illinois Educators Credit Union is a federally insured state-chartered credit union with $120.3M in total assets and $102.2M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1938.

Illinois Educators Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 161st. Problem-loan coverage contributes the most (84/100, 7.8%); earnings contributes the least (26/100, 0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.59%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.87%
Earnings26/100
Return on assets (annualized): 0.16%
Funding & liquidity69/100
Loans ÷ shares: 91.2% · 2.2% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.76%

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 11 points (70 → 59), mostly because the earnings component weakened by 30 points.

TellerScore
586674Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202469
Q1 202574
Q2 202570
Q3 202560
Q4 202560
Q1 202658
Q2 202659
Net worth ratio
7.00%9.43%11.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.39%
Q3 202411.55%
Q4 202411.86%
Q1 202511.53%
Q2 202511.08%
Q3 202510.34%
Q4 202510.52%
Q1 202610.41%
Q2 202610.59%
Delinquent loans (60+ days)
0.42%0.74%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.60%
Q4 20240.74%
Q1 20250.42%
Q2 20250.49%
Q3 20251.02%
Q4 20251.06%
Q1 20260.67%
Q2 20260.87%
Return on assets
-0.07%0.41%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.54%
Q4 20240.67%
Q1 20250.90%
Q2 20250.89%
Q3 20250.80%
Q4 20250.65%
Q1 2026-0.07%
Q2 20260.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$120.3M10.59%0.87%0.16%91.2%
Q1 202658$121.4M10.41%0.67%-0.07%92.9%
Q4 202560$120.3M10.52%1.06%0.65%95.2%
Q3 202560$121.9M10.34%1.02%0.80%98.8%
Q2 202570$112.3M11.08%0.49%0.89%93.9%
Q1 202574$105.6M11.53%0.42%0.90%80.4%
Q4 202469$100.7M11.86%0.74%0.67%86.2%
Q3 202469$101.2M11.55%0.60%0.54%84.5%
Q2 202468$100.7M11.39%0.43%0.27%85.4%

1,341 peers · $100 million – $1 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 ratio10.59%
37th
Problem loans0.87%
38th
Net charge-offs1.60%
3rd
Return on assets0.16%
9th
Loans to deposits91.2%
14th
Uninsured deposits2.2%
88th
Loan-loss reserves0.00%
50th
Texas ratio7.8%
22nd

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Landmark Credit UnionCredit union Danville, IL66 out of 100, Moderate$119.1M9.9%0.50%vs
A.A.E.C. Credit UnionCredit union Arlington Heigh, IL84 out of 100, Strong$118.9M13.0%0.02%vs
Central Credit Union of IllinoisCredit union Bellwood, IL75 out of 100, Strong$122.7M14.3%1.19%vs
Illinois State Police Federal Credit UnionCredit union Springfield, IL76 out of 100, Strong$126.9M10.3%0.01%vs
Commonwealth Credit UnionCredit union Bourbonnais, IL83 out of 100, Strong$128.1M13.2%0.43%vs
Members "first" Community Credit UnionCredit union Quincy, IL92 out of 100, Very strong$111.6M25.4%0.03%vs

Deposit insurance

Is my money safe at Illinois Educators Credit Union?

Yes. Illinois Educators Credit Union is a federally insured credit union (NCUA charter #65305). 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 ($2.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.59%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Illinois Educators Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
VISA Classic14.90%$0$281.0%

All Illinois Educators Credit Union card terms

Identity & history

Profile

Legal name
Illinois Educators Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65305
RSSD ID
367495
Primary regulator
State + NCUA
Established
1938
Headquarters
3101 Montvale Drive, Springfield, IL 62704
Employees
26

Quick answers

Illinois Educators Credit Union: common questions

Is Illinois Educators Credit Union NCUA insured?

Yes. Illinois Educators Credit Union is a federally insured credit union (NCUA charter #65305). 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 Illinois Educators Credit Union's TellerScore?

59 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 Illinois Educators Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Springfield

InstitutionScoreAssetsCapitalProblem loansCompare
Springfield Firefighters Credit UnionCredit union Springfield, IL100 out of 100, Very strong$3.4M16.6%0.00%vs
First National Bank in TaylorvilleBank Taylorville, IL92 out of 100, Very strong$200.1M14.4%0.00%vs
Heartland Credit UnionCredit union Springfield, IL89 out of 100, Very strong$573.7M13.7%0.25%vs
Midland Community BankBank Kincaid, IL88 out of 100, Very strong$68.8M12.1%0.00%vs
Springfield City Employees Credit UnionCredit union Springfield, IL85 out of 100, Very strong$12.8M17.1%0.33%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs