State credit union · Tomball, Texas · NCUA charter #66372
U. S. Employees
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $86.6M
- Total assets
- 7,537
- Members
- 10.3%
- Net-worth ratio
U. S. Employees scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $86.6M; members 7,537; net-worth ratio 10.25%; health rank #2,765 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,765 of 4,374 health · 2025Q4U. S. Employees · health 80/100 · $86.6M · 2025Q4
- BOOK 80/100
- CHARTER 10.3%
- NCUSIF 0.39%
- CAMELS 0.80%
- HEALTH $86.6M
- NW 7,537
- DELQ #2,765/4,374
- ROA TAYLOR
- ASSETS 66372
Call Report peers
U. S. Employees in the assets neighbourhood
U. S. Employees's $86.6M assets sit next to TAYLOR ($86.6M) 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.
U. S. 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
80 36th percentile higher than 36% 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
U. S. Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66372, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
U. S. Employees vs $50M–$100M peers
- Delinquency Rate leads the peer set - 0.39% here, 0.96% peer average (-0.57 pp).
- Largest lag: Loan-to-Share Ratio at 47.09% vs peer 62.60% (-15.51 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
U. S. Employees: in-state Call Report ranks
- Texas health ordinal: #249 of 386.
- Assets rank #154 of 386 inside Texas ($86.6M reported).
- Member book place in Texas: #150 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 U. S. Employees
U. S. Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.9% from $86.6M (2025Q4) to $85.9M (2026Q1).
- Net-worth ratio shifted +0.26 pp (9.99% → 10.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 10.0 pts
Call Report ratios for U. S. Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.25% | -3.37 pp |
| Delinquency Rate | 0.39% | -0.57 pp |
| Return on Assets | 0.80% | +0.14 pp |
| Member Growth | -11.59% | - |
| Loan-to-Share Ratio | 47.09% | -15.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
U. S. Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $85.9M | - |
| 2025Q4 | $86.6M | 7,537 |
| 2024Q4 | $87.6M | 8,525 |
| 2023Q4 | $89.4M | 6,224 |
Credit Union Details
- Charter Number
- 66372
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Tomball
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, U. S. Employees runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Kuykendahl Office (Main Office) | Tomball, TX |
| Richmond Office | Houston, 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.
Cross-state Call Report peers for U. S. Employees
U. S. Employees's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($86.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- U. S. Employees ranks #2,765 of 4,374 nationally on financial health and #249 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southwest Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southwest Financial
- 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 U. S. Employees financially healthy?
U. S. Employees has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,765 of 4,374; by total assets it ranks #1,948 of 4,374 nationally (same basis as /rankings/largest); and #154 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.25% and delinquency rate of 0.39%.
How does U. S. Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce U. S. Employees's 80/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 U. S. Employees?
Membership eligibility for U. S. Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact U. S. Employees directly for current membership requirements and application steps.
Is my money safe at U. S. Employees?
Federal credit unions like U. S. 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. U. S. Employees's net worth ratio of 10.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U. S. Employees offer compared to banks?
Credit unions like U. S. 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 U. S. 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.