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Overview / Commentary
712-362-5897
2714 Central Ave
Estherville, IA 51334

Employees Credit Union is headquartered in Estherville and is the 22nd largest credit union in the state of Iowa. It is also the 1,659th largest credit union in the nation. It was established in 1947 and as of June of 2017, it had grown to 10 employees and 7,779 members at 1 location. Employees Credit Union's money market rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Employees Credit Union of Iowa is open to the residents and people that maintain employment within the counties of Emmet or Palo Alto and the employees at any of the select employers that are listed on the credit union website as well as their family members.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Employees Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #63299
Year Chartered1947
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD2.21%
Return on Equity - YTD10.84%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$94.7MM$88.4MM
LoansQ2 2017vs Q2 2016$50.0MM$45.5MM
DepositsQ2 2017vs Q2 2016$73.4MM$68.8MM
Equity CapitalQ2 2017vs Q2 2016$19.2MM$17.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$512.00K$489.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.1MM$769.00K
Real Estate OwnedQ2 2017vs Q2 2016$238.00K$238.00K
Rates
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Employees Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$50-Regular Savings Account
0.50%$50-Xmas Account

Employees Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$5k-SUPER Money Market Account
0.75%$1k-Money Market Account

Employees Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-5 Year CD
0.50%$1k-6 Month CD
0.50%$1k-1 Year CD

Employees Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-18 Month IRA CD
Locations


Employees Credit Union Locations
Branch Office2714 Central AveEstherville, IA 51334