Overview / Commentary
2714 Central Ave
Estherville, IA 51334

Employees Credit Union is headquartered in Estherville and is the 23rd largest credit union in the state of Iowa. It is also the 1,661st largest credit union in the nation. It was established in 1947 and as of September of 2018, it had grown to 12 employees and 7,972 members at 1 location. Employees Credit Union's money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Employees Credit Union membership is open to the following: (1) individuals who work or live in Palo Alto or Emmet counties in Iowa, and their family members. (2) Employees or their family members of any of the following employee groups: Valley and Upper Des Moines Contracting, John Morrell and Company, Slater Lawn Service, Heartland Transport, Glasstite of Dunnell, Five Star Manufacturing, GKN of Armstrong and Estherville, Estherville Implement, Estherville Post Office, Christensen Family Farms, Ag Chem of Jackson, Avera Holy Family Hospital of Estherville, or Medieval Glass.
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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

NCUA #63299
Year Chartered1947
Primary Regulator
Profit Margin
Return on Assets - YTD2.49%
Return on Equity - YTD11.01%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$95.0MM$93.8MM
LoansQ3 2018vs Q3 2017$55.4MM$51.4MM
DepositsQ3 2018vs Q3 2017$73.3MM$72.1MM
Equity CapitalQ3 2018vs Q3 2017$21.6MM$19.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$647.00K$601.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.4MM$1.5MM
Real Estate OwnedQ3 2018vs Q3 2017$181.00K$237.00K
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Employees Credit Union Savings Account Rates

1.00%$50-Regular Savings Account
1.00%$50-Xmas Account

Employees Credit Union Money Market Rates

2.27%$5k-SUPER Money Market Account
1.51%$1k-Money Market Account

Employees Credit Union CD Rates

3.00%$1k-5 Year CD
2.50%$1k-1 Year CD
1.51%$1k-6 Month CD

Employees Credit Union IRA Rates

2.52%$1k-18 Month IRA CD

Employees Credit Union Locations
Branch Office2714 Central AveEstherville, IA 51334

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