TellerScore

United Employees Credit Union is a federally insured state-chartered credit union headquartered in Albert Lea, Minnesota, in business for about 94 years. At the end of Q2 2026 it reported $66.4M in total assets and $56.5M in member shares and deposits.

United Employees Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 9th. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 2% uninsured); loan quality contributes the least (73/100, 0.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.19%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.80%
Earnings84/100
Return on assets (annualized): 1.59%
Funding & liquidity100/100
Loans ÷ shares: 50.0% · 2.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.40%

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

From Q2 2025 to Q2 2026, the score rose 3 points (84 → 87), mostly because the earnings component improved by 9 points.

TellerScore
788387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202482
Q1 202585
Q2 202584
Q3 202587
Q4 202586
Q1 202685
Q2 202687
Net worth ratio
7.00%10.59%14.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.94%
Q3 202413.23%
Q4 202413.35%
Q1 202513.19%
Q2 202513.72%
Q3 202513.93%
Q4 202513.74%
Q1 202613.61%
Q2 202614.19%
Delinquent loans (60+ days)
0.50%0.73%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.80%
Q3 20240.96%
Q4 20240.62%
Q1 20250.50%
Q2 20250.75%
Q3 20250.59%
Q4 20250.54%
Q1 20260.80%
Q2 20260.80%
Return on assets
0.94%1.27%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20241.02%
Q4 20241.02%
Q1 20251.34%
Q2 20251.38%
Q3 20251.45%
Q4 20251.38%
Q1 20261.61%
Q2 20261.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$66.4M14.19%0.80%1.59%50.0%
Q1 202685$67.3M13.61%0.80%1.61%47.7%
Q4 202586$64.7M13.74%0.54%1.38%49.8%
Q3 202587$62.3M13.93%0.59%1.45%53.1%
Q2 202584$61.4M13.72%0.75%1.38%50.9%
Q1 202585$62.2M13.19%0.50%1.34%49.2%
Q4 202482$60.0M13.35%0.62%1.02%51.9%
Q3 202478$59.3M13.23%0.96%1.02%53.0%
Q2 202478$59.2M12.94%0.80%0.94%52.7%

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).

Capital ratio14.19%
49th
Problem loans0.80%
46th
Net charge-offs0.00%
77th
Return on assets1.59%
87th
Loans to deposits50.0%
64th
Uninsured deposits2.0%
45th
Loan-loss reserves0.00%
37th
Texas ratio2.4%
48th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Embarrass Vermillion Federal Credit UnionCredit union Aurora, MN80 out of 100, Strong$66.7M14.2%0.95%vs
Federated Employees Credit UnionCredit union Owatonna, MN82 out of 100, Strong$66.7M13.2%0.19%vs
Ely Area Credit UnionCredit union Ely, MN99 out of 100, Very strong$74.3M17.0%0.14%vs
Share Advantage Credit UnionCredit union Duluth, MN58 out of 100, Moderate$57.5M13.4%2.77%vs
Pipefitters-Steamfitters Credit UnionCredit union Woodbury, MN83 out of 100, Strong$51.6M13.4%1.07%vs
North Memorial Federal Credit UnionCredit union Robbinsdale, MN75 out of 100, Strong$50.7M11.8%0.68%vs

Deposit insurance

Is my money safe at United Employees Credit Union?

Yes. United Employees Credit Union is a federally insured credit union (NCUA charter #60263). 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 2.0% of shares and deposits ($1.1M) 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 14.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
United Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60263
RSSD ID
450098
Primary regulator
State + NCUA
Established
1932
Headquarters
P.O. Box 729, Albert Lea, MN 56007
Employees
8

Quick answers

United Employees Credit Union: common questions

Is United Employees Credit Union NCUA insured?

Yes. United Employees Credit Union is a federally insured credit union (NCUA charter #60263). 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 United Employees Credit Union's TellerScore?

87 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.