Credit Union Safety Analysis
Is United Employees Credit Union Safe? Albert Lea, Minnesota
Based on its Q2 2026 NCUA 5300 call report, United Employees Credit Union has a net worth ratio of 14.19%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.80%, 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, United Employees Credit Union's net worth ratio is 14.19%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.19%
- Delinquency ratio (60+ days) (Q2 2026): 0.80%
- Return on assets (Q2 2026): 1.54%
- Loan-to-share ratio (Q2 2026): 50.03%
United Employees Credit Union (NCUA charter 60263, established 1932) reported $66.4M in assets and 3,766 members for Q2 2026 from Albert Lea, Minnesota. It ranks 47 of 79 credit unions in Minnesota by total assets. Total assets grew 8.1% from $61.4M on June 30, 2025. It has 242 fewer members than on June 30, 2025 (-6.0%). Its net worth ratio was up 0.47 percentage points from 13.72% on June 30, 2025. Used vehicle loans are its largest loan category, $19.6M of $28.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.61% for Q1 2026; 13.72% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.80% for Q1 2026; 0.75% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.61% for Q1 2026; 1.40% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 47.73% for Q1 2026; 50.91% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $19.6M
- 1- to 4-family residential and other consumer real estate loans: $5.2M
- New vehicle loans: $2.8M
- Other unsecured loans and lines of credit: $244K
- Other secured non-real estate loans and lines of credit: $219K
- Unsecured credit card loans: $157K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $66.4M | 14.19% | 0.80% | 1.54% | 50.03% |
| March 31, 2026 | $67.3M | 13.61% | 0.80% | 1.61% | 47.73% |
| December 31, 2025 | $64.7M | 13.74% | 0.54% | 1.31% | 49.79% |
| September 30, 2025 | $62.3M | 13.93% | 0.59% | 1.64% | 53.08% |
| June 30, 2025 | $61.4M | 13.72% | 0.75% | 1.40% | 50.91% |
| March 31, 2025 | $62.2M | 13.19% | 0.50% | 1.34% | 49.24% |
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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.
United Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 60263) · FFIEC NIC profile (RSSD 450098)
Frequently asked questions
Is United Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, United Employees Credit Union's net worth ratio is 14.19%, above the 7% NCUA threshold for well capitalized.
Is United Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. United Employees Credit Union is a federally insured credit union (NCUA charter 60263): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are United Employees Credit Union's key safety ratios?
For Q2 2026, United Employees Credit Union reports net worth 14.19%, delinquency 0.80%, ROA 1.54%, loan-to-share 50.03%.
What happens to my money if United Employees Credit Union fails?
For Q2 2026, United Employees Credit Union held $56.5M in shares and deposits for 3,766 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.