Odessa Employees Credit Union Odessa, Texas
Odessa Employees Credit Union is a state-chartered credit union headquartered in Odessa, TX (NCUA charter 67534), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,374 members and total assets of $21.0M (up 4.5% from Q2 2025), the 248th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 16.15% at Q2 2026, in the well capitalized band.
Also written as Odessa 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
- 67534
- Headquarters
- Odessa, TX
- Established
- Not reported
- Total assets, Q2 2026
- $21.0M
- Assets vs Q2 2025
- +4.5%
- Members, Q2 2026
- 1,374
- Net worth ratio, Q2 2026
- 16.15%
- Latest call report
- Q2 2026, NCUA 5300 · Odessa Employees Credit Union call report
- Asset rank in state
- 248th of 377 in Texas
- Routing number
- 316386829
- Branches
- 3
It has 19 more members than on June 30, 2025 (+1.4%). Its net worth ratio was up 0.01 percentage points from 16.14% on June 30, 2025. New vehicle loans are its largest loan category, $4.5M of $10.6M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Texas
Frequently asked about Odessa Employees Credit Union
How big is Odessa Employees Credit Union?
At Q2 2026 it reported total assets of $21.0M and 1,374 members.
Where is Odessa Employees Credit Union headquartered?
It is headquartered in Odessa, TX, United States.
Is Odessa Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67534): 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 Odessa 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 Odessa Employees Credit Union well capitalized?
Its net worth ratio was 16.15% 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 Odessa Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 60.69% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Odessa, TX 79761
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67534
- RSSD ID
- 662798
- Members
- 1,374
- Potential members
- 2,300
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.15% | 14.31% | 59th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.83% | 0.72% | 55th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.11% | 4.74% | 52nd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.17% | 3.93% | 60th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 81.66% | 79.83% | 46th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.22% | 0.78% | 85th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.39% | 4.70% | 34th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 60.69% | 58.92% | 53rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$21.0M total assets against $20.1M; $17.5M total shares and deposits against $16.5M; $10.6M total loans against $9.3M.
$3.4M net worth against $3.2M.
16.15% net worth ratio against 16.14%.
60.69% loan-to-share ratio against 56.39%.
0.83% return on assets against 0.93%; 5.11% return on equity against 5.74%.
4.17% net interest margin against 4.09%.
1,374 members against 1,355.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.15% | 0.83% | — | 60.69% |
| March 31, 2026 | 15.81% | 0.47% | — | 59.26% |
| December 31, 2025 | 16.41% | 0.82% | — | 62.00% |
| September 30, 2025 | 16.44% | 0.94% | — | 59.55% |
| June 30, 2025 | 16.14% | 0.93% | — | 56.39% |
| March 31, 2025 | 15.66% | 1.03% | 0.35% | 54.38% |
Scroll sideways to see every column.
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.