Federal credit union · Paris, Texas · NCUA charter #21904
Employees United
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $12.2M
- Total assets
- 1,161
- Members
- 32.9%
- Net-worth ratio
Employees United scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.2M; members 1,161; net-worth ratio 32.87%; health rank #2,805 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,805 of 4,374 health · 2025Q4Employees United · health 79/100 · $12.2M · 2025Q4
Call Report peers
Employees United in the assets neighbourhood
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Employees United vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Employees United sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Employees United diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 32.87% vs peer 14.86% (+18.01 pp).
- Loan-to-Share Ratio trails the peer set - 36.51% here, 59.80% peer average (-23.29 pp).
Where Employees United sits in Texas
- Health composite ranks #252 of 386 among scored Texas credit unions.
- By total assets, Employees United is #288 of 386 in Texas.
- Membership ranks #307 of 386 among Texas CUs with a reported count (1,161 members).
- One place up in Texas, AMOCO (#251) scores 80/100, 1 point higher; one place down, COBURN (#253) ties at 79/100.
Quarter path for Employees United
Employees United: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $12.2M (2025Q4) to $12.2M (2026Q1).
- Net-worth ratio shifted +0.14 pp (32.73% → 32.87%).
This credit union's 32.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Employees United gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.0 pts
Employees United health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.87% | +18.01 pp |
| Delinquency Rate | 0.03% | -1.12 pp |
| Return on Assets | 1.78% | +1.07 pp |
| Member Growth | -6.67% | - |
| Loan-to-Share Ratio | 36.51% | -23.29 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Employees United quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.2M | - |
| 2025Q4 | $12.2M | 1,161 |
| 2024Q4 | $12.1M | 1,244 |
| 2023Q4 | $13.3M | 1,307 |
Credit Union Details
- Charter Number
- 21904
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Paris
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Employees United runs one office.
| Office | City |
|---|---|
| Employees United FCU (Main Office) | Paris, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Employees United nationwide neighbourhoods
Using this data
- Employees United ranks #2,805 of 4,374 nationally on financial health and #252 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Scurry County School is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Scurry County School
Frequently Asked Questions
Is Employees United financially healthy?
Employees United has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,805 of 4,374 nationally on health and #252 of 386 in Texas. Its net worth ratio is 32.87% and its delinquency rate 0.03%.
How does Employees United compare to other credit unions?
Employees United scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (32.87% vs 14.86%). Its widest shortfall is loan-to-share ratio (36.51% vs 59.80%).
How can I join Employees United?
Employees United operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Employees United directly for the exact boundaries and application steps.
Is my money safe at Employees United?
Employees United 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 United's net worth ratio of 32.87% 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.