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Normal City Employees

Normal, IL · Est. 1962
A
Trust Grade
Excellent
Score: 94/100

Normal City Employees is a credit union based in Normal, Illinois, established in 1962, with $5 million in total assets serving 600 members. By Trust Grade it ranks 76th of 188 credit unions we track in Illinois. Its net worth ratio of 11.7% trails most similarly sized credit unions (30th percentile), versus a Illinois median of 13.7%. It was profitable over the most recent period, with a 0.61% return on assets. No consumer complaints against Normal City Employees appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$4.5M
<$100M institution
Members
600
Shares & deposits
Net worth ratio
11.7%
Bottom 30% of <$100M peers · Illinois median 13.7%
Return on assets
0.6%
Top 50% of <$100M peers · Illinois median 0.62%
Rank in Illinois
#76
of 188 credit unions

How Normal City Employees compares to Illinois peers

Net worth ratio
Bottom 30% of <$100M peers
Normal City
11.7%
Illinois median
13.7%
Higher capital ratio = stronger financial cushion
Return on assets
Top 50% of <$100M peers
Normal City
0.6%
Illinois median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Normal City Employees

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
94/100
Customer experience
n/a
Overall
A · 94
  • Strongly capitalized (11.7% capital ratio)
  • Profitable (ROA 0.61%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Normal City Employees over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Normal City Employees insured?

Yes. Normal City Employees is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Normal City Employees: frequently asked questions

Is Normal City Employees a good credit union?

Normal City Employees earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (11.7% capital ratio); Profitable (ROA 0.61%).

Is Normal City Employees NCUA-insured?

Yes. Normal City Employees is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Normal City Employees?

Normal City Employees holds $5 million in total assets, ranking 76th of 188 credit unions we track in Illinois. It serves 600 members.

Does Normal City Employees have CFPB complaints?

No CFPB complaints against Normal City Employees appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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