Effingham Highway
Effingham Highway is a credit union based in Effingham, Illinois, with $6 million in total assets serving 1,010 members. By Trust Grade it ranks 47th of 188 credit unions we track in Illinois. Its net worth ratio of 19.5% is stronger than 76% of similarly sized credit unions, versus a Illinois median of 13.7%. It was profitable over the most recent period, with a 2.50% return on assets. No consumer complaints against Effingham Highway appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Effingham Highway compares to Illinois peers
How we graded Effingham Highway
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (19.5% capital ratio)
- Strongly profitable (ROA 2.50%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Effingham Highway over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Effingham Highway insured?
Yes. Effingham Highway 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.
Effingham Highway: frequently asked questions
Is Effingham Highway a good credit union?
Effingham Highway earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (19.5% capital ratio); Strongly profitable (ROA 2.50%).
Is Effingham Highway NCUA-insured?
Yes. Effingham Highway 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 Effingham Highway?
Effingham Highway holds $6 million in total assets, ranking 47th of 188 credit unions we track in Illinois. It serves 1,010 members.
Does Effingham Highway have CFPB complaints?
No CFPB complaints against Effingham Highway appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
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.
