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
- 9,142
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 5% and a delinquency rate below 4%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
9,142 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMPLOYEES |
|---|---|
| Total Assets | $200.2M |
| Members | 9,142 |
| Loans Outstanding | $88.4M |
| Shares & Deposits | $161.8M |
| Net Worth | $37.6M |
| Net Worth Ratio | 18.79% |
| Loan-to-Share Ratio | 54.6% |
| Delinquency Rate | 3.60% |
| Net Income | +$694,159 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Iowa
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Iowa RankingsFrequently Asked Questions
EMPLOYEES is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, EMPLOYEES has 9,142 members and a potential membership field of 18,000 people.
EMPLOYEES's reported net worth ratio is 18.79% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or EMPLOYEES. All financial data is for informational purposes only.