D
Normal City Employees Federal Credit Union
NormalIL
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Normal City Employees Federal Credit Union
Normal, IL
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Rating D
Asset Quality Index 8.50
Capitalization Index 9.20
Liquidity Index 5.10
Profitability Index 1.70
Stability Index 5.70
Company Info Normal City Employees Federal Credit Union
Normal, IL
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NCUA Charter Number 2856
Phone Number (309) 433-3408
Website www.ncefcu.com
Asset Quality Normal City Employees Federal Credit Union
Normal, IL
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1-Year Asset Growth -3.86%
5-Year Asset Growth 1.78%
5-Year Charge-Offs to Average Loans 0.11%
Charge-Offs to Average Loans -0.07%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Normal City Employees Federal Credit Union
Normal, IL
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Total Assets 4.49M
Total Deposits 3.98M
Capital and Reserves Normal City Employees Federal Credit Union
Normal, IL
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Capital 508.00K
Leverage Ratio 11.30
Loan Loss Reserves to Loans 1.63%
Liquidity Normal City Employees Federal Credit Union
Normal, IL
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Hot Money Ratio 0.00%
Liquidity Ratio 40.33%
Profitability Normal City Employees Federal Credit Union
Normal, IL
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5-Year Return on Average Assets 0.34%
Net Income 9.00K
Net Interest Spread 3.64%
Operating Profit to Average Assets 0.44%
Overhead Efficiency Ratio 76.92%
Return on Assets 0.39%
Return on Equity 3.58%