Employees Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.00%	5-year CD	5 Year CD 1.85% - Synchrony Bank 60 Month CD
0.50%	1-year CD	1 Year CD 1.05% - Ally Bank High Yield 12-Month CD
0.40%	Savings	Regular Savings Account 1.00% - Ally Bank Online Savings Account

View all Employees Credit Union rates »

Overview / Commentary

www.employeescu.com

712-362-5897

2714 Central Ave
Estherville, IA 51334

Employees Credit Union is headquartered in Estherville and is the 22^nd largest credit union in the state of Iowa. It is also the 1,688^th largest credit union in the nation. It was established in 1947 and as of June of 2016, it had grown to 10 employees and 7,545 members at 1 location. Employees Credit Union's money market rates are 59% higher than 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

A

Data as of Q2 2016

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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

Overall
NCUA #	63299
Year Chartered	1947
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	2.14%
Return on Equity - YTD	10.84%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$88.4MM$84.2MM
Loans	Q2 2016vs Q2 2015	$45.5MM$43.0MM
Deposits	Q2 2016vs Q2 2015	$68.8MM$65.4MM
Equity Capital	Q2 2016vs Q2 2015	$17.5MM$15.8MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$489.00K$459.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$769.00K$908.00K
Real Estate Owned	Q2 2016vs Q2 2015	$238.00K$265.00K

Rates

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Money Market
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IRA

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Employees Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	$50	-	Regular Savings Account
0.40%	$50	-	Xmas Account

Employees Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%	$5k	-	SUPER Money Market Account
0.60%	$1k	-	Money Market Account

Employees Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	5 Year CD
0.50%	$1k	-	6 Month CD
0.50%	$1k	-	1 Year CD

Employees Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$1k	-	18 Month IRA CD

Locations

Employees Credit Union Locations
Branch Office	2714 Central Ave	Estherville, IA 51334