State credit union · Estherville, Iowa · NCUA charter #63299
EMPLOYEES
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $195.2M
- Total assets
- 9,122
- Members
- 18.8%
- Net-worth ratio
EMPLOYEES scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $195.2M; members 9,122; net-worth ratio 18.79%; health rank #3,239 of 4,374; healthier than 24th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,239 of 4,374 health · 2025Q4EMPLOYEES · health 75/100 · $195.2M · 2025Q4
- ROA 75/100
- ASSETS 18.8%
- MEM 2.88%
- RANK 1.18%
- PHOTO $195.2M
- BOOK 9,122
- CHARTER #3,239/4,374
- NCUSIF OKLAHOMA
- CAMELS 63299
Call Report peers
EMPLOYEES in the assets neighbourhood
EMPLOYEES's $195.2M assets sit next to OKLAHOMA ($194.9M) 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
75 24th percentile higher than 24% 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
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63299. See our deposit-insurance coverage note.
EMPLOYEES: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 18.79% vs peer 12.11% (+6.68 pp).
- Loan-to-Share Ratio trails the peer set - 56.45% here, 72.20% peer average (-15.75 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where EMPLOYEES sits in Iowa
- In Iowa, health place is #53 of 66 on the same NCUA-ratio sort used nationally.
- Iowa assets place: #17 of 66.
- Membership ranks #24 of 66 among Iowa CUs with a reported count (9,122 members).
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
EMPLOYEES: 2025Q4 → 2026Q1
EMPLOYEES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $195.2M (2025Q4) to $200.2M (2026Q1).
- Net-worth ratio shifted -0.13 pp (18.92% → 18.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 12.0 pts
EMPLOYEES vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.79% | +6.68 pp |
| Delinquency Rate | 2.88% | +1.98 pp |
| Return on Assets | 1.18% | +0.56 pp |
| Member Growth | 1.66% | - |
| Loan-to-Share Ratio | 56.45% | -15.75 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
EMPLOYEES quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $200.2M | - |
| 2025Q4 | $195.2M | 9,122 |
| 2024Q4 | $174.1M | 8,973 |
| 2023Q4 | $158.6M | 8,808 |
Credit Union Details
- Charter Number
- 63299
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Estherville
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, EMPLOYEES runs 2 offices.
| Office | City |
|---|---|
| Main Office (Main Office) | Estherville, IA |
| Citizens Credit Union | Estherville, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
EMPLOYEES nationwide neighbourhoods
Two NCUA Call Report peer sets for EMPLOYEES, both outside Iowa so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($195.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- EMPLOYEES ranks #3,239 of 4,374 nationally on financial health and #53 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AIM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AIM
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,239 of 4,374; by total assets it ranks #1,289 of 4,374 nationally (same basis as /rankings/largest); and #17 of 66 within Iowa. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.79% and delinquency rate of 2.88%.
How does EMPLOYEES compare to other credit unions?
On PlainCU's health composite, EMPLOYEES lands at 75/100, compared to a peer group average for $100M–$500M 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 EMPLOYEES?
Membership eligibility for EMPLOYEES depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EMPLOYEES directly for current membership requirements and application steps.
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 18.79% 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.