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
- ASSETS 92/100
- MEM 15.8%
- RANK 0.00%
- PHOTO 1.03%
- BOOK $20.2M
- CHARTER 1,356
- NCUSIF #744/4,374
- CAMELS The Heart Center
- HEALTH 67534
Call Report peers
Odessa Employees in the assets neighbourhood
Odessa Employees's $20.2M assets sit next to The Heart Center ($20.2M) 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.
Odessa 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
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
Odessa Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67534 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Odessa Employees
- Largest favorable gap: Loan-to-Share Ratio at 62.00% vs peer 59.80% (+2.20 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Odessa Employees
Odessa Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $20.2M (2025Q4) to $21.1M (2026Q1).
- Net-worth ratio shifted -0.60 pp (16.41% → 15.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
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).
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
Two NCUA Call Report peer sets for Odessa Employees, both outside Texas 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 ($20.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 Odessa Employees financially healthy?
A 15.81% net worth ratio and a 0.00% delinquency rate feed into Odessa Employees's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #744 of 4,374; by total assets it ranks #3,144 of 4,374 nationally (same basis as /rankings/largest); and #255 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Odessa Employees compare to other credit unions?
Odessa Employees scores 92/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Odessa 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. Odessa Employees's net worth ratio of 15.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Odessa Employees offer compared to banks?
Credit unions like Odessa 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 Odessa 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.