Normal City Employees Federal Credit Union is a federal credit union headquartered in Normal, Illinois, in business for about 64 years. At the end of Q2 2026 it reported $4.5M in total assets and $4.0M in member shares and deposits, with 1 office.
Normal City Employees Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 83rd. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (49/100, 0.72%).
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 rose 5 points (74 → 79), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 72 |
| Q4 2024 | 73 |
| Q1 2025 | 77 |
| Q2 2025 | 74 |
| Q3 2025 | 77 |
| Q4 2025 | 76 |
| Q1 2026 | 77 |
| Q2 2026 | 79 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.79% |
| Q3 2024 | 10.80% |
| Q4 2024 | 10.63% |
| Q1 2025 | 10.95% |
| Q2 2025 | 11.31% |
| Q3 2025 | 11.78% |
| Q4 2025 | 11.73% |
| Q1 2026 | 11.66% |
| Q2 2026 | 11.82% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.42% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $4.5M | 11.82% | 0.00% | 0.72% | 70.7% |
| Q1 2026 | 77 | $4.5M | 11.66% | 0.00% | 0.61% | 73.6% |
| Q4 2025 | 76 | $4.4M | 11.73% | 0.00% | 0.49% | 75.3% |
| Q3 2025 | 77 | $4.4M | 11.78% | 0.00% | 0.66% | 75.5% |
| Q2 2025 | 74 | $4.5M | 11.31% | 0.00% | 0.42% | 73.9% |
| Q1 2025 | 77 | $4.6M | 10.95% | 0.00% | 0.77% | 70.7% |
| Q4 2024 | 73 | $4.7M | 10.63% | 0.00% | 0.48% | 70.2% |
| Q3 2024 | 72 | $4.7M | 10.80% | 0.49% | 0.81% | 69.9% |
| Q2 2024 | 74 | $4.7M | 10.79% | 0.23% | 0.84% | 76.5% |
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 |
|---|---|---|---|---|---|
| Peoria Fire Fighters Credit UnionCredit union Peoria, IL | 87 out of 100, Very strong | $4.6M | 28.2% | 0.00% | vs |
| Chicago Avenue Garage Federal Credit UnionCredit union Chicago, IL | 59 out of 100, Moderate | $4.4M | 56.9% | 18.59% | vs |
| Oak Lawn Municipal Employees Credit UnionCredit union Oak Lawn, IL | 87 out of 100, Very strong | $4.8M | 13.7% | 0.00% | vs |
| Trinity U.C.C. Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $4.2M | 16.5% | 0.00% | vs |
| Urbana Municipal Employees Credit UnionCredit union Urbana, IL | 66 out of 100, Moderate | $4.9M | 15.3% | 3.18% | vs |
| Northside L Federal Credit UnionCredit union Broadview, IL | 54 out of 100, Below average | $5.0M | 15.2% | 3.22% | vs |
Deposit insurance
Is my money safe at Normal City Employees Federal Credit Union?
Yes. Normal City Employees Federal Credit Union is a federally insured credit union (NCUA charter #14972). 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 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 11.82%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Normal City Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Normal, IL (1)
Identity & history
Profile
- Legal name
- Normal City Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 14972
- RSSD ID
- 995580
- Primary regulator
- NCUA
- Established
- 1962
- Headquarters
- 100 East Phoenix Avenue, Normal, IL 61761
- Employees
- 3
Quick answers
Normal City Employees Federal Credit Union: common questions
Is Normal City Employees Federal Credit Union NCUA insured?
Yes. Normal City Employees Federal Credit Union is a federally insured credit union (NCUA charter #14972). 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 Normal City Employees Federal Credit Union's TellerScore?
79 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 Normal City Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Normal
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Country Trust BankBank Bloomington, IL | 93 out of 100, Very strong | $42.3M | 78.7% | 0.00% | vs |
| Bloomington Municipal Credit UnionCredit union Bloomington, IL | 87 out of 100, Very strong | $45.7M | 13.5% | 0.10% | vs |
| Iaa Credit UnionCredit union Bloomington, IL | 84 out of 100, Strong | $415.0M | 14.0% | 0.47% | vs |
| Peoples State Bank of ColfaxBank Colfax, IL | 84 out of 100, Strong | $49.5M | 11.7% | 0.00% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |