Education Personnel Federal Credit Union
Overview / Commentary
Education Personnel Federal Credit Union is headquartered in Danville and is the 60th largest credit union in the state of Illinois. It is also the 2,108th largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 15 employees and 4,206 members at 1 location. Education Personnel Federal Credit Union has a B+ health rating.
Field of Membership Restrictions
Must be an employee of any public, private or parochial school in Vermillion County, Illinois or be an employee of the Center for Children's Services, Crosspoint or Danville Area Community College.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Education Personnel Federal Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 1969 |
| Year Chartered | 1937 |
| Employees | 15 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.19% |
| Return on Equity - YTD | 1.68% |
| Annual Interest Income | $570K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $73.3MM$69.7MM |
| Loans | Q1 2025vs Q1 2024 | $31MM$35.6MM |
| Deposits | Q1 2025vs Q1 2024 | $65.2MM$62.7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $8MM$6.9MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $75K$119K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $167K$137K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $16K$16K |