EMPLOYEES
State-Chartered • Estherville, Iowa • Est. 1947
Quick Facts
- Charter Number
- #63299
- Type
- State-Chartered
- Established
- 1947
- Headquarters
- Estherville, Iowa 51334
- Address
- 2714 Central Ave
- Branches
- 2
- ATMs
- 1
- Members
- 9,122
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
9,122 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMPLOYEES |
|---|---|
| Total Assets | $195.2M |
| Members | 9,122 |
| Loans Outstanding | $88.9M |
| Shares & Deposits | $157.6M |
| Net Worth | $36.9M |
| Net Worth Ratio | 18.92% |
| Loan-to-Share Ratio | 56.5% |
| Delinquency Rate | 2.88% |
| Net Income | +$3,146,532 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 1 ATMs
Main Office
Main Office2714 Central Ave
Estherville, IA 51334
Citizens Credit Union
2 N 2nd St
Estherville, IA 51334
Who Can Join EMPLOYEES?
Membership Type: Community
Membership eligibility for EMPLOYEES may vary. Contact the credit union directly to confirm qualification requirements.
Contact EMPLOYEES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Iowa RankingsFrequently Asked Questions
Yes. EMPLOYEES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, EMPLOYEES has 9,122 members and a potential membership field of 18,000 people.
EMPLOYEES's net worth ratio is 18.92% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 18.9%, EMPLOYEES meets this threshold.
EMPLOYEES operates 2 branch locations and has access to 1 ATMs. The main office is located at 2714 Central Ave, Estherville, IA 51334.
EMPLOYEES was established in 1947. It is a state-chartered credit union chartered under charter number 63299. The institution has been serving members for 79 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EMPLOYEES. All financial data is for informational purposes only.