Credit union · NCUA insured
North Western Employees
A $10.3M credit union headquartered in Council Bluffs, IA, with 1,194 members and 1 branch in Iowa. Best rates: CDs 3.14% and savings 0.35% APY.
North Western Employees Carrot Score
67
Carrot Score
Higher than 20% of U.S. banks and credit unions
#45 of 61 in Omaha, NE-IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About North Western Employees
North Western Employees Credit Union is a member-owned financial institution headquartered in Council Bluffs, Iowa.
- Headquarters
- 1411 W Broadway, Council Bluffs, IA 51501-3922
- NCUA charter
- 64282
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Shenandoah Medical Center, Add it Up Tax Service, or Ameriserve are eligible to join the credit union.
- Employees of Union Pacific Railroad and associated transportation companies working or living in designated areas of Iowa and Nebraska are eligible to join.
Family and household
- Family members of employees of Shenandoah Medical Center, Add it Up Tax Service, or Ameriserve are eligible to join the credit union.
- Family members of employees of Union Pacific Railroad and associated transportation companies working or living in designated areas of Iowa and Nebraska are eligible to join.
Branches
1 branch in Iowa
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Iowa
1 branch
- North Western Employees CU Main OfficeMain office1411 W Broadway, Council Bluffs, IA 51501Directions
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 | 21.35% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $61 | $59 | — |
- CapitalNet worth ratio21.35%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$61Peers’ 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 North Western Employees are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.