State credit union · Odessa, Texas · NCUA charter #67534
Odessa Employees
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $20.2M
- Total assets
- 1,356
- Members
- 15.8%
- Net-worth ratio
Odessa Employees scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.2M; members 1,356; net-worth ratio 15.81%; health rank #744 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#744 of 4,374 health · 2025Q4Odessa Employees · health 92/100 · $20.2M · 2025Q4
Call Report peers
Odessa Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Odessa Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Odessa Employees sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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
Peer-gap read for Odessa Employees
- Largest favorable gap: Loan-to-Share Ratio at 62.00% vs peer 59.80% (+2.20 pp).
Where Odessa Employees sits in Texas
- Health composite ranks #69 of 386 among scored Texas credit unions.
- By total assets, Odessa Employees is #255 of 386 in Texas.
- Member book place in Texas: #293 of 386.
- One place up in Texas, Service 1st (#68) ties at 92/100; one place down, Red River Employees (#70) ties at 92/100.
Quarter path for Odessa Employees
Odessa Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $20.2M (2025Q4) to $21.1M (2026Q1).
- Net-worth ratio shifted -0.60 pp (16.41% → 15.81%).
This credit union's 15.81% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Odessa Employees gives up 8 points in total. Member Growth costs the most, 5.9 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 9.1 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.81% | +0.95 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.03% | +0.32 pp |
| Member Growth | 0.07% | - |
| Loan-to-Share Ratio | 62.00% | +2.20 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Odessa Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.1M | - |
| 2025Q4 | $20.2M | 1,356 |
| 2024Q4 | $19.7M | 1,355 |
| 2023Q4 | $20.0M | 1,315 |
Credit Union Details
- Charter Number
- 67534
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Odessa
- Data Quarter
- 2025Q4
Branch Locations (3)
Odessa Employees operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Odessa Employees' Credit Union (Main Office) | Odessa, TX |
| Odessa Employees' Credit Union | Odessa, TX |
| Complex Community FCU | ODESSA, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Odessa Employees
Using this data
- Odessa Employees ranks #744 of 4,374 nationally on financial health and #69 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEMPLE-INLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEMPLE-INLAND
Frequently Asked Questions
Is Odessa Employees financially healthy?
Odessa Employees has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #744 of 4,374 nationally on health and #69 of 386 in Texas. Its net worth ratio is 15.81% and its delinquency rate 0.00%.
How does Odessa Employees compare to other credit unions?
Odessa Employees scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (62.00% vs 59.80%).
How can I join Odessa Employees?
Membership eligibility for Odessa Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Odessa Employees directly for current membership requirements and application steps.
Is my money safe at Odessa Employees?
Odessa Employees is a state-chartered 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. Odessa Employees's net worth ratio of 15.81% 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.