Credit union · NCUA insured
Employees Credit Union
A $200.2M credit union headquartered in Estherville, IA, with 9,142 members and 1 branch in Iowa. Best rates: CDs 3.53% and savings 3.82% APY.
Employees Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#54 of 142 in IowaHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Employees Credit Union
- Headquarters
- 2714 Central Ave, Estherville, IA 51334
- NCUA charter
- 63299
Branches
1 branch in Iowa
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Iowa
1 branch
- Main OfficeMain office2714 Central Ave, Estherville, IA 51334Directions
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 | 18.96% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 3.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.64% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $53 | $76 | — |
- CapitalNet worth ratio18.96%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late3.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.64%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$53Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.