State credit union · Beaumont, Texas · NCUA charter #67417
Union Pacific Employees
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $3.8M
- Total assets
- 630
- Members
- 23.5%
- Net-worth ratio
Union Pacific Employees scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.8M; members 630; net-worth ratio 23.46%; health rank #3,630 of 4,374; healthier than 16th of scored peers.
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Union Pacific Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Union Pacific Employees sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Union Pacific Employees vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 84.32% here, 63.60% peer average (+20.72 pp).
- Largest lag: Return on Assets at -0.92% vs peer 0.45% (-1.37 pp).
Where Union Pacific Employees sits in Texas
- In Texas, health place is #318 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #356 of 386 inside Texas ($3.8M reported).
- Texas membership ordinal: #352 of 386.
- One place up in Texas, Everman Parkway (#317) ties at 69/100; one place down, Littlefield School Employees (#319) ties at 69/100.
Union Pacific Employees: 2025Q4 → 2026Q1
Union Pacific Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $3.8M (2025Q4) to $3.9M (2026Q1).
- Net-worth ratio shifted -0.83 pp (24.29% → 23.46%).
23.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 69/100 score is built
Union Pacific Employees gives up 31 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.7 pts
- Return on Assets 0.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 15.3 pts
Union Pacific Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.46% | +4.40 pp |
| Delinquency Rate | 1.44% | -0.37 pp |
| Return on Assets | -0.92% | -1.37 pp |
| Member Growth | -1.10% | - |
| Loan-to-Share Ratio | 84.32% | +20.72 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Union Pacific Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.9M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Union Pacific Employees runs one office.
| Office | City |
|---|---|
| UPECU (Main Office) | Beaumont, 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.
Other-state peers near Union Pacific Employees
Similar health score
Using this data
- Union Pacific Employees ranks #3,630 of 4,374 nationally on financial health and #318 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Houston Belt & Terminal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Houston Belt & Terminal
Frequently Asked Questions
Is Union Pacific Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Union Pacific Employees scores 69/100 (Good), with a 23.46% net worth ratio and 1.44% of loans delinquent. It ranks #3,630 of 4,374 nationally on health and #318 of 386 in Texas.
How does Union Pacific Employees compare to other credit unions?
Union Pacific Employees scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (84.32% vs 63.60%). Its widest shortfall is return on assets (-0.92% vs 0.45%).
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?
Union Pacific 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. Union Pacific Employees's net worth ratio of 23.46% 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.