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
- PHOTO 79/100
- BOOK 32.9%
- CHARTER 0.03%
- NCUSIF 1.78%
- CAMELS $12.2M
- HEALTH 1,161
- NW #2,805/4,374
- DELQ ESPEECO
- ROA 21904
Call Report peers
Employees United in the assets neighbourhood
Employees United's $12.2M assets sit next to ESPEECO ($12.2M) 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 United 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
79 33rd percentile higher than 33% 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 United - Share Insurance Coverage
Charter #21904'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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Employees United
Employees United: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $12.2M (2025Q4) to $12.2M (2026Q1).
- Net-worth ratio shifted +0.14 pp (32.73% → 32.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
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 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
Cross-state asset and health neighbours for Employees United - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 United financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Employees United carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,805 of 4,374; by total assets it ranks #3,446 of 4,374 nationally (same basis as /rankings/largest); and #288 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 32.87% net worth ratio and a 0.03% delinquency rate.
How does Employees United compare to other credit unions?
On PlainCU's health composite, Employees United lands at 79/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Employees United 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 United's net worth ratio of 32.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Employees United offer compared to banks?
Credit unions like Employees United 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 United 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.