Employees Credit Union is a federally insured state-chartered credit union headquartered in Estherville, Iowa, in business for about 79 years. At the end of Q2 2026 it reported $203.4M in total assets and $164.1M in member shares and deposits, with 2 offices.
Employees Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 41st. Capital cushion contributes the most (100/100, 18.96%); loan quality contributes the least (0/100, 3.25%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 70 |
| Q4 2024 | 67 |
| Q1 2025 | 71 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 68 |
| Q2 2026 | 70 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 20.16% |
| Q3 2024 | 20.36% |
| Q4 2024 | 19.82% |
| Q1 2025 | 19.17% |
| Q2 2025 | 18.89% |
| Q3 2025 | 19.27% |
| Q4 2025 | 18.92% |
| Q1 2026 | 18.79% |
| Q2 2026 | 18.96% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.23% |
| Q3 2024 | 3.48% |
| Q4 2024 | 3.80% |
| Q1 2025 | 2.99% |
| Q2 2025 | 3.44% |
| Q3 2025 | 3.62% |
| Q4 2025 | 2.88% |
| Q1 2026 | 3.60% |
| Q2 2026 | 3.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.57% |
| Q3 2024 | 1.71% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.63% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $203.4M | 18.96% | 3.25% | 1.61% | 53.5% |
| Q1 2026 | 68 | $200.2M | 18.79% | 3.60% | 1.39% | 54.6% |
| Q4 2025 | 69 | $195.2M | 18.92% | 2.88% | 1.25% | 56.4% |
| Q3 2025 | 69 | $190.1M | 19.27% | 3.62% | 1.49% | 58.4% |
| Q2 2025 | 69 | $189.9M | 18.89% | 3.44% | 1.43% | 59.0% |
| Q1 2025 | 71 | $183.9M | 19.17% | 2.99% | 1.63% | 60.6% |
| Q4 2024 | 67 | $174.1M | 19.82% | 3.80% | 1.32% | 64.9% |
| Q3 2024 | 70 | $168.8M | 20.36% | 3.48% | 1.71% | 67.8% |
| Q2 2024 | 76 | $166.3M | 20.16% | 2.23% | 1.57% | 67.7% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aim Credit UnionCredit union Dubuque, IA | 79 out of 100, Strong | $201.2M | 13.1% | 0.60% | vs |
| First Federal Credit UnionCredit union Hiawatha, IA | 43 out of 100, Below average | $174.5M | 7.3% | 0.88% | vs |
| 1st Gateway Credit UnionCredit union Camanche, IA | 80 out of 100, Strong | $170.9M | 14.1% | 0.35% | vs |
| Cent Credit UnionCredit union Mason City, IA | 77 out of 100, Strong | $166.0M | 12.7% | 0.20% | vs |
| Financial Plus Credit UnionCredit union West Des Moines, IA | 77 out of 100, Strong | $241.7M | 14.3% | 1.03% | vs |
| Telco Triad Community Credit UnionCredit union Sioux City, IA | 74 out of 100, Strong | $160.5M | 12.2% | 0.45% | vs |
Deposit insurance
Is my money safe at Employees Credit Union?
Yes. Employees Credit Union is a federally insured credit union (NCUA charter #63299). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 11.4% of shares and deposits ($18.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 18.96%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Employees Credit Union lists 2 offices in 1 city. Most locations:
- Estherville, IA (2)
Identity & history
Profile
- Legal name
- Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 63299
- RSSD ID
- 131799
- Primary regulator
- State + NCUA
- Established
- 1947
- Headquarters
- 2714 Central Ave, Estherville, IA 51334
- Employees
- 15
Quick answers
Employees Credit Union: common questions
Is Employees Credit Union NCUA insured?
Yes. Employees Credit Union is a federally insured credit union (NCUA charter #63299). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Employees Credit Union's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Employees Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Estherville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Welcome State BankBank Welcome, MN | 90 out of 100, Very strong | $44.3M | 12.8% | 0.00% | vs |
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| The State BankBank Spirit Lake, IA | 83 out of 100, Strong | $88.4M | 11.7% | 0.00% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Worthington Federal Savings Bank, FSBBank Worthington, MN | 80 out of 100, Strong | $135.4M | 14.8% | 0.65% | vs |