Credit Union Safety Analysis
Is Employees Credit Union Safe? Estherville, Iowa
Based on its Q2 2026 NCUA 5300 call report, Employees Credit Union has a net worth ratio of 18.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.25%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Employees Credit Union's net worth ratio is 18.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.96%
- Delinquency ratio (60+ days) (Q2 2026): 3.25%
- Return on assets (Q2 2026): 1.85%
- Loan-to-share ratio (Q2 2026): 53.47%
Employees Credit Union (NCUA charter 63299, established 1947) reported $203.4M in assets and 9,171 members for Q2 2026 from Estherville, Iowa. It ranks 18 of 65 credit unions in Iowa by total assets. Total assets grew 7.1% from $189.9M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 18.79% for Q1 2026; 18.89% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 3.60% for Q1 2026; 3.44% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.39% for Q1 2026; 1.28% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 54.61% for Q1 2026; 59.04% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $38.2M
- 1- to 4-family residential and other consumer real estate loans: $24.3M
- New vehicle loans: $11.1M
- Other unsecured loans and lines of credit: $10.7M
- Commercial loans: $3.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $203.4M | 18.96% | 3.25% | 1.85% | 53.47% |
| March 31, 2026 | $200.2M | 18.79% | 3.60% | 1.39% | 54.61% |
| December 31, 2025 | $195.2M | 18.92% | 2.88% | 0.64% | 56.45% |
| September 30, 2025 | $190.1M | 19.27% | 3.62% | 1.61% | 58.42% |
| June 30, 2025 | $189.9M | 18.89% | 3.44% | 1.28% | 59.04% |
| March 31, 2025 | $183.9M | 19.17% | 2.99% | 1.63% | 60.57% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 63299) · FFIEC NIC profile (RSSD 131799)
Frequently asked questions
Is Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Employees Credit Union's net worth ratio is 18.96%, above the 7% NCUA threshold for well capitalized.
Is Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Employees Credit Union is a federally insured credit union (NCUA charter 63299): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Employees Credit Union's key safety ratios?
For Q2 2026, Employees Credit Union reports net worth 18.96%, delinquency 3.25%, ROA 1.85%, loan-to-share 53.47%.
What happens to my money if Employees Credit Union fails?
For Q2 2026, Employees Credit Union held $164.1M in shares and deposits for 9,171 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.