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
Call Report peers
U. S. Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); U. S. Employees sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Fort Worth Community (#248) ties at 80/100; one place down, Priority Trust (#250) ties at 80/100.
Quarter path for U. S. Employees
U. S. Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $86.6M (2025Q4) to $85.9M (2026Q1).
- Net-worth ratio shifted +0.26 pp (9.99% → 10.25%).
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
U. S. Employees gives up 20 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 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is U. S. Employees financially healthy?
U. S. Employees has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,765 of 4,374 nationally on health and #249 of 386 in Texas. Its net worth ratio is 10.25% and its delinquency rate 0.39%.
How does U. S. Employees compare to other credit unions?
U. S. Employees scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.39% vs 0.96%). Its widest shortfall is loan-to-share ratio (47.09% vs 62.60%).
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?
U. S. 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. U. S. Employees's net worth ratio of 10.25% 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.