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
Call Report peers
EMPLOYEES in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); EMPLOYEES sits in 55-59 with 115 others.
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
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).
EMPLOYEES: in-state Call Report ranks
- Oklahoma health ordinal: #48 of 53.
- Oklahoma assets place: #32 of 53.
- Oklahoma membership ordinal: #35 of 53.
- One place up in Oklahoma, Fort Sill (#47) scores 61/100, 4 points higher; one place down, True Sky (#49) scores 55/100, 2 points lower.
How EMPLOYEES's 5300 filing moved
EMPLOYEES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $47.5M (2025Q4) to $48.1M (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.29% → 8.16%).
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
EMPLOYEES gives up 43 points in total. Delinquency Rate costs the most, 20.9 of its 25; Loan-to-Share Ratio loses the least, 1.9.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is EMPLOYEES financially healthy?
EMPLOYEES has a financial health score of 57/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,145 of 4,374 nationally on health and #48 of 53 in Oklahoma. Its net worth ratio is 8.16% and its delinquency rate 3.34%.
How does EMPLOYEES compare to other credit unions?
EMPLOYEES scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (61.54% vs 59.80%). Its widest shortfall is net worth ratio (8.16% vs 14.86%).
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?
EMPLOYEES is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.