Credit union · NCUA insured
Dallas U.P. Employees CU
A $26.9M credit union headquartered in Dallas, TX, with 1,447 members and 1 branch in Texas. Best rates: savings 1.00% APY.
Dallas U.P. Employees CU Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#54 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Dallas U.P. Employees CU
Dallas U.P. Employees Credit Union was created in 1953 as Dallas S.P. Employees Credit Union after its state charter was approved.
Originally founded to serve employees of the Southern Pacific Railroad, the credit union applied to change its name in 1997 following Union Pacific Railroad's acquisition.
- Headquarters
- 8150A S Central Expy, Dallas, TX 75241-7813
- NCUA charter
- 67547
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to all employees of the Union Pacific Railroad.
Family and household
- Membership is open to immediate family members (spouses, children, parents, siblings, and grandparents) of Union Pacific Railroad employees.
Cost to join
- New members must make an initial deposit of $25.
- New members must pay a $5 new member fee.
Branches
1 branch in Texas
Loading map…
Texas
1 branch
- Main OfficeMain office8150A S Central Expy, Dallas, TX 75241Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 24.32% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.54% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.70% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $82 | $59 | — |
- CapitalNet worth ratio24.32%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.54%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.70%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$82Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Dallas U.P. Employees CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.