State credit union · MINNEAPOLIS, Minnesota · NCUA charter #63988
Electric Machinery Employees
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $8.5M
- Total assets
- 756
- Members
- 24.0%
- Net-worth ratio
Electric Machinery Employees scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.5M; members 756; net-worth ratio 24.01%; health rank #3,934 of 4,374; healthier than 9th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,934 of 4,374 health · 2025Q4Electric Machinery Employees · health 63/100 · $8.5M · 2025Q4
- ROA 63/100
- ASSETS 24.0%
- MEM 1.01%
- RANK -1.56%
- PHOTO $8.5M
- BOOK 756
- CHARTER #3,934/4,374
- NCUSIF n/a
- CAMELS 63988
Call Report peers
Electric Machinery Employees carries $8.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Electric Machinery Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Electric Machinery Employees - Share Insurance Coverage
Charter #63988's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Electric Machinery Employees
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +4.95 pp (24.01% vs 19.06%).
- Return on Assets trails the peer set - -1.56% here, 0.45% peer average (-2.01 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Electric Machinery Employees sits in Minnesota
- Minnesota health ordinal: #80 of 82.
- Minnesota assets place: #70 of 82.
- Member book place in Minnesota: #72 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Electric Machinery Employees
Electric Machinery Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $8.5M (2025Q4) to $8.6M (2026Q1).
- Net-worth ratio shifted -0.57 pp (24.58% → 24.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
24.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.9 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.01% | +4.95 pp |
| Delinquency Rate | 1.01% | -0.79 pp |
| Return on Assets | -1.56% | -2.01 pp |
| Member Growth | -13.60% | - |
| Loan-to-Share Ratio | 61.64% | -1.96 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Electric Machinery Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.6M | - |
| 2025Q4 | $8.5M | 756 |
| 2024Q4 | $8.4M | 875 |
| 2023Q4 | $8.7M | 934 |
Credit Union Details
- Charter Number
- 63988
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Minnesota
- City
- MINNEAPOLIS
- Data Quarter
- 2025Q4
Branch Location
Electric Machinery Employees operates a single office in MINNEAPOLIS, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ELECTRIC MACHINERY EMPLOYEES CREDIT UNION (Main Office) | MINNEAPOLIS, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Electric Machinery Employees
Two NCUA Call Report peer sets for Electric Machinery Employees, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Electric Machinery Employees ranks #3,934 of 4,374 nationally on financial health and #80 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Pace is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Pace
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Electric Machinery Employees financially healthy?
Electric Machinery Employees scores 63/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,934 of 4,374; by total assets it ranks #3,639 of 4,374 nationally (same basis as /rankings/largest); and #70 of 82 within Minnesota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 24.01% net worth ratio and a 1.01% delinquency rate.
How does Electric Machinery Employees compare to other credit unions?
On PlainCU's health composite, Electric Machinery Employees lands at 63/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Electric Machinery Employees?
Membership eligibility for Electric Machinery Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Electric Machinery Employees directly for current membership requirements and application steps.
Is my money safe at Electric Machinery Employees?
Federal credit unions like Electric Machinery Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Electric Machinery Employees's net worth ratio of 24.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Electric Machinery Employees offer compared to banks?
Credit unions like Electric Machinery Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Electric Machinery Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.