State credit union · ALBERT LEA, Minnesota · NCUA charter #60263
United Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $64.7M
- Total assets
- 3,993
- Members
- 13.6%
- Net-worth ratio
United Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $64.7M; members 3,993; net-worth ratio 13.61%; health rank #1,620 of 4,374; healthier than 60th of scored peers.
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NCUA 5300 Call Report Masthead
#1,620 of 4,374 health · 2025Q4United Employees · health 87/100 · $64.7M · 2025Q4
Call Report peers
United Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Employees vs every NCUA-scored credit union
United Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
United Employees: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.54% here, 0.96% peer average (-0.43 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.81 pp (49.79% vs 62.60%).
Minnesota standing for United Employees
- Health composite ranks #45 of 82 among scored Minnesota credit unions.
- Minnesota assets place: #48 of 82.
- Member book place in Minnesota: #51 of 82.
- One place up in Minnesota, Embarrass Vermillion (#44) ties at 87/100; one place down, Magnifi Financial (#46) ties at 87/100.
United Employees: 2025Q4 → 2026Q1
United Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $64.7M (2025Q4) to $67.3M (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.74% → 13.61%).
This credit union's 13.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
United Employees gives up 13 points in total. Member Growth costs the most, 8.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 10.9 pts
Call Report ratios for United Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.61% | -0.01 pp |
| Delinquency Rate | 0.54% | -0.43 pp |
| Return on Assets | 0.95% | +0.29 pp |
| Member Growth | -1.41% | - |
| Loan-to-Share Ratio | 49.79% | -12.81 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - United Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $67.3M | - |
| 2025Q4 | $64.7M | 3,993 |
| 2024Q4 | $60.0M | 4,050 |
| 2023Q4 | $57.6M | 4,138 |
Credit Union Details
- Charter Number
- 60263
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Minnesota
- City
- ALBERT LEA
- Data Quarter
- 2025Q4
Branch Location
United Employees operates a single office in Albert Lea, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| United Employees Credit Union (Main Office) | Albert Lea, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for United Employees
Similar total assets
Similar health score
Using this data
- United Employees ranks #1,620 of 4,374 nationally on financial health and #45 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Embarrass Vermillion is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Embarrass Vermillion
Frequently Asked Questions
Is United Employees financially healthy?
United Employees has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,620 of 4,374 nationally on health and #45 of 82 in Minnesota. Its net worth ratio is 13.61% and its delinquency rate 0.54%.
How does United Employees compare to other credit unions?
United Employees scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.54% vs 0.96%). Its widest shortfall is loan-to-share ratio (49.79% vs 62.60%).
How can I join United Employees?
Membership eligibility for United Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Employees directly for current membership requirements and application steps.
Is my money safe at United Employees?
United 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. United Employees's net worth ratio of 13.61% 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.