State credit union · Beaumont, Texas · NCUA charter #67417
Union Pacific Employees
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $3.8M
- Total assets
- 630
- Members
- 24.3%
- Net-worth ratio
Union Pacific Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67417: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Union Pacific Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)67
- Earnings (ROA)0
- Member growth47
- Liquidity (loan-to-share)100
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
24.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 24.29% | 30% |
| Delinquency Rate | 1.44% | 25% |
| Return on Assets | -0.92% | 15% |
| Member Growth | -1.10% | 15% |
| Loan-to-Share Ratio | 84.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.8M | 630 |
| 2024Q4 | $3.6M | 637 |
| 2023Q4 | $3.7M | 655 |
Credit Union Details
- Charter Number
- 67417
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Beaumont
- Data Quarter
- 2025Q4
What This Data Says About Union Pacific Employees
Headquartered in Beaumont, Texas, Union Pacific Employees is a state credit union with 630 members, $3.8M in total assets, and $2.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 69/100 (Good), driven in part by a net worth ratio of 24.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67417 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 1.44% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 84.32% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.92% on net income of $-34812 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.10%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Union Pacific Employees financially healthy?
Union Pacific Employees has a financial health score of 69/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 24.29% and delinquency rate of 1.44%.
How does Union Pacific Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Union Pacific Employees's 69/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Union Pacific Employees?
Membership eligibility for Union Pacific Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Union Pacific Employees directly for current membership requirements and application steps.
Is my money safe at Union Pacific Employees?
Federal credit unions like Union Pacific 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. Union Pacific Employees's net worth ratio of 24.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Union Pacific Employees offer compared to banks?
Credit unions like Union Pacific 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 Union Pacific Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.