Employees Credit Union Estherville, Iowa
Employees Credit Union is a state-chartered credit union headquartered in Estherville, IA, established in 1947 (NCUA charter 63299), and it is regulated and insured by the NCUA. At Q2 2026 it reported 9,171 members and total assets of $203.4M (up 7.1% from Q2 2025), the 18th largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 18.96% at Q2 2026, in the well capitalized band.
Also written as Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63299
- Headquarters
- Estherville, IA
- Established
- 1947
- Total assets, Q2 2026
- $203.4M
- Assets vs Q2 2025
- +7.1%
- Members, Q2 2026
- 9,171
- Net worth ratio, Q2 2026
- 18.96%
- Latest call report
- Q2 2026, NCUA 5300 · Employees Credit Union call report
- Asset rank in state
- 18th of 65 in Iowa
- Routing number
- 273974730
- Branches
- 2
It has 81 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 0.07 percentage points from 18.89% on June 30, 2025. Used vehicle loans are its largest loan category, $38.2M of $87.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.25% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 18.96% net worth ratio is above that band's 11.43% median.
Frequently asked about Employees Credit Union
How big is Employees Credit Union?
At Q2 2026 it reported total assets of $203.4M and 9,171 members.
Where is Employees Credit Union headquartered?
It is headquartered in Estherville, IA, United States.
When was Employees Credit Union founded?
It was established in 1947, per NCUA records.
Is Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63299): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Employees Credit Union well capitalized?
Its net worth ratio was 18.96% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Employees Credit Union's delinquency ratio?
Its delinquency ratio was 3.25% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 53.47% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Estherville, IA 51334
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 63299
- RSSD ID
- 131799
- Members
- 9,171
- Potential members
- 18,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 18.96% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.85% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.73% | 7.02% | 74th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.86% | 3.70% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 42.68% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 2.57% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 3.25% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.43% | 4.92% | 77th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 53.47% | 75.66% | 14th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$203.4M total assets against $189.9M; $164.1M total shares and deposits against $153.3M; $87.8M total loans against $90.5M.
$38.6M net worth against $35.9M.
18.96% net worth ratio against 18.89%.
53.47% loan-to-share ratio against 59.04%.
3.25% delinquency ratio against 3.44%.
1.85% return on assets against 1.28%; 9.73% return on equity against 6.80%.
2.86% net interest margin against 2.66%.
9,171 members against 9,090.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.96% | 1.85% | 3.25% | 53.47% |
| March 31, 2026 | 18.79% | 1.39% | 3.60% | 54.61% |
| December 31, 2025 | 18.92% | 0.64% | 2.88% | 56.45% |
| September 30, 2025 | 19.27% | 1.61% | 3.62% | 58.42% |
| June 30, 2025 | 18.89% | 1.28% | 3.44% | 59.04% |
| March 31, 2025 | 19.17% | 1.63% | 2.99% | 60.57% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.