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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,620 of 4,374 health · 2025Q4United Employees · health 87/100 · $64.7M · 2025Q4
- NW 87/100
- DELQ 13.6%
- ROA 0.54%
- ASSETS 0.95%
- MEM $64.7M
- RANK 3,993
- PHOTO #1,620/4,374
- BOOK Santa Barbara County
- CHARTER 60263
Call Report peers
United Employees in the assets neighbourhood
United Employees's $64.7M assets sit next to Santa Barbara County ($64.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60263. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
United Employees: 2025Q4 → 2026Q1
United Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $64.7M (2025Q4) to $67.3M (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.74% → 13.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for United Employees, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($64.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota 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 United Employees financially healthy?
A 13.61% net worth ratio and a 0.54% delinquency rate feed into United Employees's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,620 of 4,374; by total assets it ranks #2,200 of 4,374 nationally (same basis as /rankings/largest); and #48 of 82 within Minnesota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does United Employees compare to other credit unions?
PlainCU's health composite puts United Employees at 87/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like United 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. United Employees's net worth ratio of 13.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Employees offer compared to banks?
Credit unions like United 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 United 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.