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.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,630 of 4,374 health · 2025Q4Union Pacific Employees · health 69/100 · $3.8M · 2025Q4
- NW 69/100
- DELQ 23.5%
- ROA 1.44%
- ASSETS -0.92%
- MEM $3.8M
- RANK 630
- PHOTO #3,630/4,374
- BOOK n/a
- CHARTER 67417
Union Pacific Employees carries $3.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Union Pacific 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
69 16th percentile higher than 16% 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
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 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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Union Pacific Employees: 2025Q4 → 2026Q1
Union Pacific Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $3.8M (2025Q4) to $3.9M (2026Q1).
- Net-worth ratio shifted -0.83 pp (24.29% → 23.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for Union Pacific Employees - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,630 of 4,374; by total assets it ranks #3,982 of 4,374 nationally (same basis as /rankings/largest); and #356 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 23.46% 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 23.46% 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.
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.