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 1,666th largest credit union in the nation. It was established in 1947 and as of June of 2018, it had grown to 13 employees and 7,915 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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Health
B+
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
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD2.41%
Return on Equity - YTD11.04%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$95.4MM$94.7MM
LoansQ2 2018vs Q2 2017$54.4MM$50.0MM
DepositsQ2 2018vs Q2 2017$72.4MM$73.4MM
Equity CapitalQ2 2018vs Q2 2017$20.9MM$19.2MM
Loan Loss AllowanceQ2 2018vs Q2 2017$653.00K$512.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.0MM$1.1MM
Real Estate OwnedQ2 2018vs Q2 2017$181.00K$238.00K
Rates
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Employees Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$50-Regular Savings Account
1.00%$50-Xmas Account

Employees Credit Union Money Market Rates

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

Employees Credit Union CD Rates

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

Employees Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.52%$1k-18 Month IRA CD
Locations


Employees Credit Union Locations
Branch Office2714 Central AveEstherville, IA 51334

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