Sep, 30, 2025 — NORMAL CITY EMPLOYEES FEDERAL CREDIT UNION is a federal credit union headquartered in NORMAL, IL with 1 branch location and about $4.42 million in total assets. Opened 64 years ago in 1962, NORMAL CITY EMPLOYEES FEDERAL CREDIT UNION has about 593 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NORMAL CITY EMPLOYEES FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 100 E Phoenix Ave NORMAL, IL 61761-3018 |
| Phone: | (309) 433-3408 |
| Fax: | |
| Website: | https://www.ncefcu.com |
| Branches: | 1 branch locations |
| Members: | 593 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 14972 |
|---|---|
| Membership Type: | Federal, State, Local Government |
| Corporate Credit Union: | No |
| Year Opened: | 1962 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $4,423,147 |
| CEO/Manager: | Jackie R Thomas |
| Chairperson: | Mark Kotte |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,042,975 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 712,009 |
| Other Loans | 2,232,115 |
| TOTAL LOANS | 2,944,124 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -48,601 |
| Land And Building | 0 |
| Other Fixed Assets | 777 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 41,860 |
| All Other Assets | 0 |
| TOTAL ASSETS | 4,423,147 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,404 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 3,503,729 |
| All Other Shares & Deposits | 395,144 |
| TOTAL SHARES & DEPOSITS | 3,898,872 |
| TOTAL LIABILITIES | 3,902,276 |
| Regular Reserve | 0 |
| Other Reserves | 80,649 |
| Undivided Earnings | 440,222 |
| TOTAL EQUITY | 520,871 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 4,423,147 |
| INCOME & EXPENSE | |
| Loan Income | 99,068 |
| Investment Income | 24,107 |
| Other Income | 283 |
| Total Employee Compensation & Benefits | 60,822 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 20,439 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 20,621 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 21,859 |
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