TellerScore

Western Illinois School Employees Credit Union is a federally insured state-chartered credit union headquartered in Quincy, Illinois, in business for about 90 years. At the end of Q2 2026 it reported $24.0M in total assets and $20.0M in member shares and deposits, with 1 office.

Western Illinois School Employees Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 56th. Capital cushion contributes the most (100/100, 16.08%); earnings contributes the least (38/100, 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.08%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity78/100
Loans ÷ shares: 82.7% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.74%

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 2 points (81 → 83), mostly because the funding & liquidity component improved by 7 points.

TellerScore
778083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202480
Q4 202477
Q1 202579
Q2 202581
Q3 202581
Q4 202581
Q1 202679
Q2 202683
Net worth ratio
7.00%11.89%16.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.79%
Q3 202416.48%
Q4 202416.59%
Q1 202516.53%
Q2 202516.18%
Q3 202516.78%
Q4 202516.54%
Q1 202616.14%
Q2 202616.08%
Delinquent loans (60+ days)
0.15%0.51%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.81%
Q4 20240.86%
Q1 20250.31%
Q2 20250.15%
Q3 20250.16%
Q4 20250.26%
Q1 20260.41%
Q2 20260.17%
Return on assets
0.30%0.71%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20241.13%
Q4 20240.79%
Q1 20250.30%
Q2 20250.39%
Q3 20250.42%
Q4 20250.43%
Q1 20260.34%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$24.0M16.08%0.17%0.45%82.7%
Q1 202679$23.7M16.14%0.41%0.34%84.3%
Q4 202581$23.0M16.54%0.26%0.43%86.5%
Q3 202581$22.6M16.78%0.16%0.42%91.5%
Q2 202581$23.2M16.18%0.15%0.39%89.6%
Q1 202579$22.6M16.53%0.31%0.30%93.6%
Q4 202477$22.4M16.59%0.86%0.79%94.4%
Q3 202480$22.7M16.48%0.81%1.13%95.1%
Q2 202478$23.0M15.79%0.70%0.68%93.4%

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 ratio16.08%
61st
Problem loans0.17%
75th
Net charge-offs0.08%
59th
Return on assets0.45%
39th
Loans to deposits82.7%
16th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.7%
70th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Tee-Pak Credit UnionCredit union Danville, IL79 out of 100, Strong$23.8M16.3%0.89%vs
Rockford Municipal Employees Credit UnionCredit union Rockford, IL76 out of 100, Strong$23.6M15.2%0.41%vs
Advantage One Credit UnionCredit union Morrison, IL76 out of 100, Strong$23.5M11.8%0.22%vs
Generations Credit UnionCredit union Rockford, IL91 out of 100, Very strong$22.4M16.4%0.10%vs
Central Illinois Credit UnionCredit union Champaign, IL69 out of 100, Moderate$26.1M12.3%1.85%vs
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs

Deposit insurance

Is my money safe at Western Illinois School Employees Credit Union?

Yes. Western Illinois School Employees Credit Union is a federally insured credit union (NCUA charter #65426). 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 16.08%, 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

Western Illinois School Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Western Illinois School Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65426
RSSD ID
444293
Primary regulator
State + NCUA
Established
1936
Headquarters
1416 Maine St, Quincy, IL 62301
Employees
3

Quick answers

Western Illinois School Employees Credit Union: common questions

Is Western Illinois School Employees Credit Union NCUA insured?

Yes. Western Illinois School Employees Credit Union is a federally insured credit union (NCUA charter #65426). 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 Western Illinois School Employees Credit Union's TellerScore?

83 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 Western Illinois School Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Quincy

InstitutionScoreAssetsCapitalProblem loansCompare
Members "first" Community Credit UnionCredit union Quincy, IL92 out of 100, Very strong$111.6M25.4%0.03%vs
Town & Country Bank MidwestBank Quincy, IL92 out of 100, Very strong$279.3M14.9%0.15%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs
United Community Credit UnionCredit union Quincy, IL84 out of 100, Strong$134.1M15.4%0.40%vs
HNB National BankBank Hannibal, MO81 out of 100, Strong$1.3B9.7%0.06%vs