TellerScore

Springfield City Employees Credit Union is a federally insured state-chartered credit union headquartered in Springfield, Illinois, in business for about 68 years. At the end of Q2 2026 it reported $12.8M in total assets and $10.6M in member shares and deposits, with 1 office.

Springfield City Employees Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 43rd. Capital cushion contributes the most (100/100, 17.15%); earnings contributes the least (52/100, 0.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.15%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity85/100
Loans ÷ shares: 75.3% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.20%

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 3 points (88 → 85), mostly because the earnings component weakened by 25 points.

TellerScore
818589Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202489
Q4 202488
Q1 202589
Q2 202588
Q3 202584
Q4 202586
Q1 202681
Q2 202685
Net worth ratio
7.00%12.17%17.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.53%
Q3 202416.71%
Q4 202416.85%
Q1 202516.58%
Q2 202517.34%
Q3 202517.15%
Q4 202516.92%
Q1 202616.86%
Q2 202617.15%
Delinquent loans (60+ days)
0.33%0.52%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.64%
Q3 20240.40%
Q4 20240.46%
Q1 20250.71%
Q2 20250.58%
Q3 20250.70%
Q4 20250.44%
Q1 20260.43%
Q2 20260.33%
Return on assets
0.32%0.98%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.34%
Q4 20241.37%
Q1 20251.63%
Q2 20251.42%
Q3 20251.06%
Q4 20251.00%
Q1 20260.32%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$12.8M17.15%0.33%0.79%75.3%
Q1 202681$12.8M16.86%0.43%0.32%75.5%
Q4 202586$12.7M16.92%0.44%1.00%73.4%
Q3 202584$12.3M17.15%0.70%1.06%72.6%
Q2 202588$12.1M17.34%0.58%1.42%73.3%
Q1 202589$12.5M16.58%0.71%1.63%70.4%
Q4 202488$12.0M16.85%0.46%1.37%76.8%
Q3 202489$11.8M16.71%0.40%1.34%77.3%
Q2 202485$11.7M16.53%0.64%1.23%79.1%

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 ratio17.15%
66th
Problem loans0.33%
67th
Net charge-offs-0.02%
90th
Return on assets0.79%
57th
Loans to deposits75.3%
25th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.2%
63rd

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Financial Partners Credit UnionCredit union Springfield, IL45 out of 100, Below average$12.7M7.1%1.83%vs
Blaw-Knox Credit UnionCredit union Mattoon, IL92 out of 100, Very strong$13.4M19.9%0.23%vs
Peoria Postal Employees Credit UnionCredit union Peoria, IL64 out of 100, Moderate$14.1M19.5%4.69%vs
Maternity B.V.M. Credit UnionCredit union Bourbonnais, IL79 out of 100, Strong$11.3M12.8%0.00%vs
Paris Hi-Way Credit UnionCredit union Paris, IL100 out of 100, Very strong$11.3M15.8%0.00%vs
Joliet Municipal Employees Federal Credit UnionCredit union Joliet, IL56 out of 100, Moderate$11.1M11.1%2.08%vs

Deposit insurance

Is my money safe at Springfield City Employees Credit Union?

Yes. Springfield City Employees Credit Union is a federally insured credit union (NCUA charter #65424). 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 17.15%, 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

Springfield City Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Springfield City Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65424
RSSD ID
97596
Primary regulator
State + NCUA
Established
1958
Headquarters
300 S 7th St ste b4, Springfield, IL 62701
Employees
3

Quick answers

Springfield City Employees Credit Union: common questions

Is Springfield City Employees Credit Union NCUA insured?

Yes. Springfield City Employees Credit Union is a federally insured credit union (NCUA charter #65424). 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 Springfield City Employees Credit Union's TellerScore?

85 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 Springfield City Employees Credit Union have?

1 office 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
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs