TellerScore

Headquartered in Urbana, Illinois, Urbana Municipal Employees Credit Union is a federally insured state-chartered credit union with $4.9M in total assets and $4.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1950.

Urbana Municipal Employees Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 137th. Capital cushion contributes the most (100/100, 15.30%); loan quality contributes the least (0/100, 3.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.30%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.18%
Earnings86/100
Return on assets (annualized): 1.66%
Funding & liquidity79/100
Loans ÷ shares: 81.4% · 0.0% uninsured
Problem-loan coverage74/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.06%

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 15 points (81 → 66), mostly because the loan quality component weakened by 52 points.

TellerScore
667481Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202481
Q4 202472
Q1 202581
Q2 202581
Q3 202576
Q4 202580
Q1 202667
Q2 202666
Net worth ratio
7.00%11.15%15.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.38%
Q3 202414.14%
Q4 202414.69%
Q1 202514.40%
Q2 202514.89%
Q3 202514.41%
Q4 202514.33%
Q1 202614.35%
Q2 202615.30%
Delinquent loans (60+ days)
0.91%2.18%3.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.91%
Q3 20241.19%
Q4 20242.32%
Q1 20251.43%
Q2 20251.44%
Q3 20252.19%
Q4 20251.57%
Q1 20263.46%
Q2 20263.18%
Return on assets
1.56%1.94%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.56%
Q3 20242.03%
Q4 20241.98%
Q1 20252.32%
Q2 20251.88%
Q3 20251.98%
Q4 20251.80%
Q1 20261.77%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$4.9M15.30%3.18%1.66%81.4%
Q1 202667$5.1M14.35%3.46%1.77%69.7%
Q4 202580$5.0M14.33%1.57%1.80%71.7%
Q3 202576$4.8M14.41%2.19%1.98%74.3%
Q2 202581$4.4M14.89%1.44%1.88%89.4%
Q1 202581$4.5M14.40%1.43%2.32%87.5%
Q4 202472$4.2M14.69%2.32%1.98%94.2%
Q3 202481$4.3M14.14%1.19%2.03%95.5%
Q2 202479$4.3M13.38%0.91%1.56%91.0%

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 ratio15.30%
56th
Problem loans3.18%
12th
Net charge-offs0.16%
52nd
Return on assets1.66%
89th
Loans to deposits81.4%
18th
Uninsured deposits0.0%
81st
Loan-loss reserves2.16%
90th
Texas ratio13.1%
9th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Northside L Federal Credit UnionCredit union Broadview, IL54 out of 100, Below average$5.0M15.2%3.22%vs
Oak Lawn Municipal Employees Credit UnionCredit union Oak Lawn, IL87 out of 100, Very strong$4.8M13.7%0.00%vs
I.B.E.W. Local #146 Credit UnionCredit union Decatur, IL94 out of 100, Very strong$5.0M13.5%0.00%vs
Peoria Fire Fighters Credit UnionCredit union Peoria, IL87 out of 100, Very strong$4.6M28.2%0.00%vs
Decatur Policemen Credit UnionCredit union Decatur, IL85 out of 100, Very strong$5.3M15.0%0.44%vs
Normal City Employees Federal Credit UnionCredit union Normal, IL79 out of 100, Strong$4.5M11.8%0.00%vs

Deposit insurance

Is my money safe at Urbana Municipal Employees Credit Union?

Yes. Urbana Municipal Employees Credit Union is a federally insured credit union (NCUA charter #64568). 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 15.30%, 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

Urbana Municipal Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Urbana Municipal Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64568
RSSD ID
674894
Primary regulator
State + NCUA
Established
1950
Headquarters
1606 Willow View Rd Ste 1O, Urbana, IL 61802
Employees
2

Quick answers

Urbana Municipal Employees Credit Union: common questions

Is Urbana Municipal Employees Credit Union NCUA insured?

Yes. Urbana Municipal Employees Credit Union is a federally insured credit union (NCUA charter #64568). 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 Urbana Municipal Employees Credit Union's TellerScore?

66 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 Urbana Municipal Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Urbana

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings Bank of Champaign UrbanaBank Champaign, IL90 out of 100, Very strong$192.5M12.7%0.09%vs
Community Plus Federal Credit UnionCredit union Rantoul, IL90 out of 100, Very strong$28.1M18.4%0.51%vs
Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL86 out of 100, Very strong$1.2M55.5%0.16%vs
Villa Grove State BankBank Villa Grove, IL86 out of 100, Very strong$85.9M12.2%0.00%vs
BankChampaign, National AssociationBank Champaign, IL84 out of 100, Strong$242.8M11.8%0.00%vs
Bank of RantoulBank Rantoul, IL82 out of 100, Strong$285.8M10.8%0.00%vs