CU Explorer
Credit unions · Illinois · Q2 2026

Effingham Highway CU

Credit union in Effingham, IL · NCUA charter #81553 · State charter (other)

Legal name: Effingham Highway

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$5.9M
Total loans & leases$4.8M
Total shares & deposits$4.7M
Members988
Net worth$1.2M
Net worth / assets19.83%
Loans / assets82.32%
Return on assets (annualized)2.22%
Loan growth (YoY)11.00%
Member growth (YoY)−3.04%
Delinquency, all loans (60+ days)0.00%
CharterState charter (other)
Asset band< $50M
NCUA peer group$2M–$10M
Sponsor typeGovernment (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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