Federal credit union · TULSA, Oklahoma · NCUA charter #9715
EMPLOYEES
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $47.5M
- Total assets
- 3,448
- Members
- 8.2%
- Net-worth ratio
EMPLOYEES scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.5M; members 3,448; net-worth ratio 8.16%; health rank #4,145 of 4,374; healthier than 5th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,145 of 4,374 health · 2025Q4EMPLOYEES · health 57/100 · $47.5M · 2025Q4
- ASSETS 57/100
- MEM 8.2%
- RANK 3.34%
- PHOTO 0.03%
- BOOK $47.5M
- CHARTER 3,448
- NCUSIF #4,145/4,374
- CAMELS Genesee Co-Op
- HEALTH 9715
Call Report peers
EMPLOYEES in the assets neighbourhood
EMPLOYEES's $47.5M assets sit next to Genesee Co-Op ($47.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
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
57 5th percentile higher than 5% 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
EMPLOYEES - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9715 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where EMPLOYEES diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 61.54% here, 59.80% peer average (+1.74 pp).
- Net Worth Ratio trails the peer set - 8.16% here, 14.86% peer average (-6.70 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
EMPLOYEES: in-state Call Report ranks
- Oklahoma health ordinal: #48 of 53.
- Oklahoma assets place: #32 of 53.
- Oklahoma membership ordinal: #35 of 53.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How EMPLOYEES's 5300 filing moved
EMPLOYEES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $47.5M (2025Q4) to $48.1M (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.29% → 8.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 57/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- Net Worth Ratio 25.4 pts
- Delinquency Rate 4.1 pts
- Return on Assets 6.1 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 13.1 pts
Call Report ratios for EMPLOYEES
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.16% | -6.70 pp |
| Delinquency Rate | 3.34% | +2.20 pp |
| Return on Assets | 0.03% | -0.67 pp |
| Member Growth | -0.40% | - |
| Loan-to-Share Ratio | 61.54% | +1.74 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
EMPLOYEES filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.1M | - |
| 2025Q4 | $47.5M | 3,448 |
| 2024Q4 | $46.4M | 3,462 |
| 2023Q4 | $46.9M | 4,371 |
Credit Union Details
- Charter Number
- 9715
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- TULSA
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for EMPLOYEES.
| Office | City |
|---|---|
| Employees Federal Credit Union (Main Office) | Tulsa, OK |
| Employees Federal Credit Union - Golden Eagle | Tulsa, OK |
| Tulsa County HQ | Tulsa, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
A look at other Oklahoma credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
EMPLOYEES's nationwide photo peers by assets and by health score, excluding Oklahoma charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
Using this data
- EMPLOYEES ranks #4,145 of 4,374 nationally on financial health and #48 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fire Fighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fire Fighters
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma 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 EMPLOYEES financially healthy?
EMPLOYEES has a financial health score of 57/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,145 of 4,374; by total assets it ranks #2,441 of 4,374 nationally (same basis as /rankings/largest); and #32 of 53 within Oklahoma. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.16% and delinquency rate of 3.34%.
How does EMPLOYEES compare to other credit unions?
PlainCU's health composite puts EMPLOYEES at 57/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 EMPLOYEES?
EMPLOYEES serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact EMPLOYEES directly for the current list of qualifying groups.
Is my money safe at EMPLOYEES?
Federal credit unions like 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. EMPLOYEES's net worth ratio of 8.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EMPLOYEES offer compared to banks?
Credit unions like 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 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.