EFFINGHAM HIGHWAY
Federal • Effingham, Illinois • Est. 0
Quick Facts
- Charter Number
- #81553
- Type
- Federal
- Established
- 0
- Headquarters
- Effingham, Illinois 62401
- Address
- P.O. Box 1161
- Branches
- 1
- Members
- 1,011
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,011 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EFFINGHAM HIGHWAY |
|---|---|
| Total Assets | $5.6M |
| Members | 1,011 |
| Loans Outstanding | $4.4M |
| Shares & Deposits | $4.5M |
| Net Worth | $1.1M |
| Net Worth Ratio | 19.62% |
| Loan-to-Share Ratio | 96.6% |
| Delinquency Rate | 0.00% |
| Net Income | +$155,486 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Effingham Highway Credit Union
Main Office400 W Wabash Ave
Effingham, IL 62401-2670
Who Can Join EFFINGHAM HIGHWAY?
Membership Type: Community
Membership eligibility for EFFINGHAM HIGHWAY may vary. Contact the credit union directly to confirm qualification requirements.
Contact EFFINGHAM HIGHWAY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Illinois RankingsFrequently Asked Questions
Yes. EFFINGHAM HIGHWAY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, EFFINGHAM HIGHWAY has 1,011 members and a potential membership field of 1,100 people.
EFFINGHAM HIGHWAY's net worth ratio is 19.62% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 19.6%, EFFINGHAM HIGHWAY meets this threshold.
EFFINGHAM HIGHWAY operates 1 branch location. The main office is located at 400 W Wabash Ave, Effingham, IL 62401-2670.
EFFINGHAM HIGHWAY was established in 0. It is a federal credit union chartered under charter number 81553. The institution has been serving members for 2026 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EFFINGHAM HIGHWAY. All financial data is for informational purposes only.