Joliet Municipal Employees Federal Credit Union (NCUA charter #16437) is based in Joliet, Illinois. Its Q2 2026 call report shows $11.1M in total assets and $9.9M in member shares and deposits and 1 office.
Joliet Municipal Employees Federal Credit Union has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 169th. Funding & liquidity contributes the most (87/100, 63% loans-to-deposits, 24% uninsured); loan quality contributes the least (31/100, 2.08%).
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 12 points (68 → 56), mostly because the loan quality component weakened by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 54 |
| Q4 2024 | 54 |
| Q1 2025 | 64 |
| Q2 2025 | 68 |
| Q3 2025 | 66 |
| Q4 2025 | 72 |
| Q1 2026 | 72 |
| Q2 2026 | 56 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.21% |
| Q3 2024 | 10.25% |
| Q4 2024 | 9.92% |
| Q1 2025 | 10.61% |
| Q2 2025 | 10.64% |
| Q3 2025 | 10.56% |
| Q4 2025 | 10.98% |
| Q1 2026 | 11.05% |
| Q2 2026 | 11.12% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.08% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.62% |
| Q2 2026 | 2.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.20% |
| Q3 2024 | -0.18% |
| Q4 2024 | -0.36% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.52% |
| Q1 2026 | 1.05% |
| Q2 2026 | 0.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $11.1M | 11.12% | 2.08% | 0.64% | 63.4% |
| Q1 2026 | 72 | $11.1M | 11.05% | 0.62% | 1.05% | 65.3% |
| Q4 2025 | 72 | $10.9M | 10.98% | 0.28% | 0.52% | 69.0% |
| Q3 2025 | 66 | $11.3M | 10.56% | 0.77% | 0.60% | 68.2% |
| Q2 2025 | 68 | $11.1M | 10.64% | 0.56% | 0.65% | 73.9% |
| Q1 2025 | 64 | $10.9M | 10.61% | 0.84% | 0.61% | 78.1% |
| Q4 2024 | 54 | $11.5M | 9.92% | 0.91% | -0.36% | 79.4% |
| Q3 2024 | 54 | $11.4M | 10.25% | 1.08% | -0.18% | 78.8% |
| Q2 2024 | 53 | $11.5M | 10.21% | 1.05% | -0.20% | 82.9% |
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 |
|---|---|---|---|---|---|
| South Shop Federal Credit UnionCredit union Alsip, IL | 79 out of 100, Strong | $11.1M | 22.4% | 1.42% | vs |
| Paris Hi-Way Credit UnionCredit union Paris, IL | 100 out of 100, Very strong | $11.3M | 15.8% | 0.00% | vs |
| Maternity B.V.M. Credit UnionCredit union Bourbonnais, IL | 79 out of 100, Strong | $11.3M | 12.8% | 0.00% | vs |
| Funeral Service Credit UnionCredit union Springfield, IL | 73 out of 100, Strong | $10.7M | 17.9% | 0.72% | vs |
| Chicago'S Bravest Credit UnionCredit union Chicago, IL | 83 out of 100, Strong | $10.6M | 21.3% | 0.93% | vs |
| Kankakee Federation of Teachers Credit UnionCredit union Kankakee, IL | 56 out of 100, Moderate | $10.6M | 12.6% | 4.04% | vs |
Deposit insurance
Is my money safe at Joliet Municipal Employees Federal Credit Union?
Yes. Joliet Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #16437). 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 24.2% of shares and deposits ($2.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.12%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Joliet Municipal Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Joliet, IL (1)
Identity & history
Profile
- Legal name
- Joliet Municipal Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16437
- RSSD ID
- 798183
- Primary regulator
- NCUA
- Established
- 1964
- Headquarters
- 818 E Cass St, Joliet, IL 60432
- Employees
- 4
Quick answers
Joliet Municipal Employees Federal Credit Union: common questions
Is Joliet Municipal Employees Federal Credit Union NCUA insured?
Yes. Joliet Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #16437). 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 Joliet Municipal Employees Federal Credit Union's TellerScore?
56 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 Joliet Municipal Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Joliet
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| Aurora Firefighters' Credit UnionCredit union Aurora, IL | 93 out of 100, Very strong | $2.7M | 16.1% | 0.00% | vs |
| Policemen'S Federal Credit UnionCredit union South Bend, IN | 92 out of 100, Very strong | $95.5M | 16.4% | 0.29% | vs |
| First Community Bank and TrustBank Beecher, IL | 91 out of 100, Very strong | $201.7M | 13.5% | 0.00% | vs |