# EMPLOYEES
Estherville, IA · NCUA charter 63299 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/employees-63299

Who the members are: state charter, organized 1947. 9,142 members of 18,000 potential (50.8% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $200.2M |
| Members | 9,142 (1.3% YoY) |
| Full-time staff | 15 |
| Net worth | $37.6M |
| Net worth ratio | 18.8% (p98 of band) |
| ROA (annualized) | 1.39% (p88 of band) |
| Total delinquency | 3.60% (p99 of band) |
| Net charge-offs (annualized) | 0.46% (p57 of band) |
| Loans / shares | 55% (p11 of band) |
| Cash / assets | 45.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.73% (p8 of band) |
| Operating expense / assets | 1.42% (p1 of band) |
| Vehicles % of loans | 56% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 3.85% (p99 of band) |
| Vehicle NCO | 0.31% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 10% |
| Core shares % of member funds | 15% |
| Certificates % of member funds | 1% |
| Average share balance | $9,329 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.2M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 57% |
| Average loan balance | $14,591 |
| Loans granted, annualized | $30.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.2M outstanding purchased (5.8% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 9.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 2 | margin squeeze |  |
| 2021-12 | 2 | net worth falling | margin squeeze |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | net worth falling |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | auto monoline | net worth falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 1 |  | auto monoline, net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 1 |  | net worth falling, delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [54 Credit Union Leaders Earn CUDE Designation - cutoday.info](https://news.google.com/rss/articles/CBMipwFBVV95cUxPRzZMZ3ZzUV9uYkhycEt2X0F4XzllZmFNQ1g1NGJGZ3ZKRkNqYnBDdG9tbjdKRUUzSXU2SE1Zc01HZmphSlNKb0thcHVpZU1GdDNoZ1h3NEtubk1ZMFJ5Y0tjTDBuTU0yU0tIanllX3pySTBaZV94dENObW1IcUJhbTJtRUVWZmxjT2s0RVdGcnluVUlZYjVpWGlTdDhzTUxhS1JIVzkzaw?oc=5) · cutoday.info
- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News & World Report
- 2026-07-29 [Veridian Credit Union Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE1Wb3BnVmVZa3pHOHZqVTJKa2JxWlJOMEZHSGdIaDJjeldCSW80QndIOVpKeWJ3UjRVcFloNmpOWjhfUVJWejViS3FTYlVUVUdBNkdRb1kwWkZNS0JONzlIR2ttNlhjUjJTZUhtWVpycUdpWUJjWDNKdQ?oc=5) · reveliolabs.com
- 2026-06-03 [Educational Employees Credit Union Data Breach Exposes SSNs - Claim Depot](https://news.google.com/rss/articles/CBMihAFBVV95cUxPLWd4djMzRWJpWFZEa0xqLU9KMTFSS0FyaWh6NFZJMHpyZ05oLWprS2dkQ04wQUZDdUdpeFp3VEk2VktQeGdGM1R0azhVOVE2LUhSRkY5cWpKYjhRQTVaVFdKdU5qM1lVeVF0VUVHWGZSOEJEcEliUzR2NU1vYjRmVzJqTmQ?oc=5) · Claim Depot
- 2026-04-01 [Official rules for The Family Credit Union Financial Literacy Month Coloring Sweepstakes - WQAD](https://news.google.com/rss/articles/CBMinAJBVV95cUxNYVNMSHdOcXR4UHZvTWgzWGdla21CUDA2ejBydzB5Y05pa0JDYWxPUXV0ZVJGMGVuekJOelZVcE5pSnhxeVV0X0RBNkM1OVpqVmhWNG1ya05seE5TaGpLTzRYWTR3dXRQaTUtNWlZVjRHbkhFNGRQTHB1S3pReFo1eU84ZDNOdnRWOXp2WTRFWnREcURRY2trMGtHb0tGd0FZLUxQQXZCbVI2djROR2VPbEFSR0FmNDllcmZTOEVRZUw0U2VaOFJNcks0NktQMHFKRTI0T2VqU0EyQ0p2MUl4VWJadmJPWlc1NEM5TG9zT2FqNUMybjljdDFreGdKTWxEZktqZUV5cUZINlM0Ni1pVEJhVjlzOER0VEQ2dw?oc=5) · WQAD
- 2025-12-10 [Linda Pioch Obituary - West Des Moines, IA - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxOYnQ3dFhDNGpHLWw2bmdlTnZlMWtZRkxTU1ZXYXFEamhXQjNIV19rV2ZCdDl4ODhQUjl5N0wxUmRmdmtRVC1RNExaR25McEZ3NGhVVUZQbVFqX2xyUWhGS0ItdWpsUHdqR3hxVkgyOFE5bnoydFYwOUllS3FnaUxiYnk5SXpkd0ZDTHc?oc=5) · Dignity Memorial
- 2024-06-21 [What's the best credit union in Iowa? According to Forbes, it's Veridian Credit Union. - The Des Moines Register](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNcnhJMnFVeTZVSVUwTnliYWk5S0Rub0ota2lHejhPNGZTTU9qRUJ5Qk5TRXdlU1luaGIxbHkyMFg0TnViRzVwVkgzaUVYblhCZGpiR1RfVnlRanhrSXFOTE0yTllneFluSXRXc04tdU5PNWF6dmpuU1lnRDU3TlRoNF9iOWNBUDRHMEtWV0tWYURjMVB3Vkd5NUhyMTg2S0VpNHBBLW1qR0JjUjVfSWNFUVBpVVRseWFUUnlBMndKNkdUTEc1QW0yS2laU3d0VXU4dk1Za0pjVWpWekV2U1E?oc=5) · The Des Moines Register
- 2022-12-07 [Iowa credit union buys bank in year’s 12th such tie-up - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNWThhUUtKRjRCaEgzcmk0N2wwY055Y2lpOElGZFdLNFpLR2V6YVQ3SlJpYWJFN1g0WnBpVW1MbklpOEVqVjNQemNQUFh2V0VfS1JXV01kTVZXTXUxT21PakxQQ01Ea1hyS3BLeEFpSE9qSVpMVGZPUXRRcnBlaWtXN3VicHloY2NwanRDemFVZ1Blb3ZRSGRoa09TOGo5SU5DZ3Q1TTV5QWtCUQ?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63299 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/3.json (key "63299", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=63299
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide