State credit union · MEMPHIS, Tennessee · NCUA charter #67608
Ups Employees
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $43.2M
- Total assets
- 6,182
- Members
- 24.0%
- Net-worth ratio
Ups Employees scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.2M; members 6,182; net-worth ratio 24.01%; health rank #440 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#440 of 4,374 health · 2025Q4Ups Employees · health 94/100 · $43.2M · 2025Q4
Call Report peers
Ups Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ups Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Ups Employees sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Ups Employees diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 90.32% vs peer 59.80% (+30.52 pp).
Tennessee standing for Ups Employees
- In Tennessee, health place is #15 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, Ups Employees is #68 of 127 in Tennessee.
- Member book place in Tennessee: #49 of 127.
- One place up in Tennessee, Employee Resources (#14) scores 95/100, 1 point higher; one place down, Knoxville Firefighters (#16) ties at 94/100.
How Ups Employees's 5300 filing moved
Ups Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $43.2M (2025Q4) to $43.7M (2026Q1).
- Net-worth ratio shifted +0.42 pp (23.59% → 24.01%).
24.01% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Ups Employees gives up 6 points in total. Member Growth costs the most, 5.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 14.7 pts
Ups Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.01% | +9.15 pp |
| Delinquency Rate | 0.42% | -0.73 pp |
| Return on Assets | 2.13% | +1.42 pp |
| Member Growth | 0.24% | - |
| Loan-to-Share Ratio | 90.32% | +30.52 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.7M | - |
| 2025Q4 | $43.2M | 6,182 |
| 2024Q4 | $40.7M | 6,167 |
| 2023Q4 | $41.0M | 6,049 |
Credit Union Details
- Charter Number
- 67608
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- MEMPHIS
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Ups Employees runs one office.
| Office | City |
|---|---|
| UPS ECU (Main Office) | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Cross-state Call Report peers for Ups Employees
Similar total assets
Similar health score
Using this data
- Ups Employees ranks #440 of 4,374 nationally on financial health and #15 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COLLEGEDALE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COLLEGEDALE
Frequently Asked Questions
Is Ups Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Ups Employees scores 94/100 (Excellent), with a 24.01% net worth ratio and 0.42% of loans delinquent. It ranks #440 of 4,374 nationally on health and #15 of 127 in Tennessee.
How does Ups Employees compare to other credit unions?
Ups Employees scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (90.32% vs 59.80%).
How can I join Ups Employees?
Membership eligibility for Ups Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Ups Employees directly for current membership requirements and application steps.
Is my money safe at Ups Employees?
Ups 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. Ups Employees's net worth ratio of 24.01% 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.