Employees

Estherville, IA · 2 · Charter #63299 · www.employeescu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$195.2M
88th percentile
Members
9,122
62th percentile
Total loans
$88.9M
70th percentile
Total shares
$157.3M
84th percentile

Profitability

Return on assets
1.61%
82th percentile
Net interest margin
2.55%
7th percentile
Efficiency ratio
23.88%
99th percentile
Non-interest income ratio
8.02%
9th percentile

Capital & Risk

Net worth ratio
18.92%
91th percentile
Delinquency rate
2.88%
4th percentile
Net charge-off rate
0.72%
18th percentile
Loan-to-share
56.54%
30th percentile

Growth

Member growth YoY
1.66%
76th percentile
Asset growth YoY
12.15%
93th percentile
Loan growth YoY
-1.27%
34th percentile
Share growth YoY
13.48%
94th percentile

Operations

Members / branch
4,561
78th percentile
Assets / member
$21,401
88th percentile
Field of membership penetration
50.68%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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