Headquartered in Paris, Texas, Employees United Federal Credit Union is a federal credit union with $12.4M in total assets and $8.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1975.
Based on its Q2 2026 filing, Employees United Federal Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 30th. Its strongest component is capital cushion (100/100; 32.74%), and its lowest is earnings (63/100; 1.07%).
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 (93 → 92).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 98 |
| Q4 2024 | 96 |
| Q1 2025 | 89 |
| Q2 2025 | 93 |
| Q3 2025 | 94 |
| Q4 2025 | 93 |
| Q1 2026 | 93 |
| Q2 2026 | 92 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 28.15% |
| Q3 2024 | 30.44% |
| Q4 2024 | 31.75% |
| Q1 2025 | 32.04% |
| Q2 2025 | 31.71% |
| Q3 2025 | 32.30% |
| Q4 2025 | 32.73% |
| Q1 2026 | 32.87% |
| Q2 2026 | 32.74% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.65% |
| Q3 2024 | 1.80% |
| Q4 2024 | 1.79% |
| Q1 2025 | 0.96% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.21% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.10% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $12.4M | 32.74% | 0.08% | 1.07% | 31.7% |
| Q1 2026 | 93 | $12.2M | 32.87% | 0.00% | 1.10% | 34.5% |
| Q4 2025 | 93 | $12.2M | 32.73% | 0.03% | 1.17% | 36.5% |
| Q3 2025 | 94 | $12.3M | 32.30% | 0.01% | 1.21% | 35.9% |
| Q2 2025 | 93 | $12.3M | 31.71% | 0.00% | 1.10% | 33.5% |
| Q1 2025 | 89 | $12.1M | 32.04% | 0.26% | 0.96% | 35.3% |
| Q4 2024 | 96 | $12.1M | 31.75% | 0.27% | 1.79% | 36.4% |
| Q3 2024 | 98 | $12.5M | 30.44% | 0.06% | 1.80% | 35.2% |
| Q2 2024 | 93 | $13.3M | 28.15% | 0.53% | 1.65% | 31.9% |
2,479 peers · Under $100 million in assets
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pasadena Municipal Federal Credit UnionCredit union Pasadena, TX | 73 out of 100, Strong | $12.4M | 21.3% | 0.71% | vs |
| Coastal Bend P O Federal Credit UnionCredit union Victoria, TX | 59 out of 100, Moderate | $12.5M | 27.1% | 3.73% | vs |
| Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX | 89 out of 100, Very strong | $11.9M | 20.9% | 1.07% | vs |
| Angelina County Teachers Credit UnionCredit union Lufkin, TX | 100 out of 100, Very strong | $12.9M | 18.4% | 0.04% | vs |
| P.I.E. Credit UnionCredit union Houston, TX | 88 out of 100, Very strong | $11.8M | 23.9% | 0.71% | vs |
| Swemp Federal Credit UnionCredit union Texarkana, TX | 75 out of 100, Strong | $12.9M | 19.5% | 1.04% | vs |
Deposit insurance
Is my money safe at Employees United Federal Credit Union?
Yes. Employees United Federal Credit Union is a federally insured credit union (NCUA charter #21904). 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 0.1% of shares and deposits ($7K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 32.74%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Employees United Federal Credit Union lists 1 office in 1 city. Most locations:
- Paris, TX (1)
Identity & history
Profile
- Legal name
- Employees United Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21904
- RSSD ID
- 1007686
- Primary regulator
- NCUA
- Established
- 1975
- Headquarters
- 2285 NW 19th, Paris, TX 75460
- Employees
- 4
Quick answers
Employees United Federal Credit Union: common questions
Is Employees United Federal Credit Union NCUA insured?
Yes. Employees United Federal Credit Union is a federally insured credit union (NCUA charter #21904). 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 United Federal Credit Union's TellerScore?
92 out of 100 (Very 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 United Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Paris
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Texas Teachers Federal Credit UnionCredit union Paris, TX | 83 out of 100, Strong | $33.1M | 14.4% | 0.43% | vs |
| Legend Bank, N.A.Bank Bowie, TX | 82 out of 100, Strong | $1.3B | 10.4% | 0.12% | vs |
| Commercial Bank of Texas, National AssociationBank Nacogdoches, TX | 77 out of 100, Strong | $1.7B | 10.6% | 0.14% | vs |
| Peoples BankBank Paris, TX | 76 out of 100, Strong | $185.4M | 9.6% | 0.25% | vs |
| The Liberty National Bank in ParisBank Paris, TX | 75 out of 100, Strong | $452.1M | 12.8% | 0.88% | vs |
| First Federal Community Bank, SSBBank Paris, TX | 74 out of 100, Strong | $603.6M | 13.1% | 0.75% | vs |