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Employees United Credit Union Share
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Overview Share
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Employees United Credit Union is a federal credit union based in Paris, Texas. It has been opened since 1975, for 47 years.

With around $11,270,000 in assets, Employees United Credit Union is considered to be a medium size credit union.

About Share
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Address 2285 NW 19th
Paris, Texas 75460
Phone (903) 784-6861
Fax (903) 784-7409
CEO Delayna L. Gray
President of the Board Gary Owings
Services Offered
Score Card Share
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47 years
Years in business
Opened in 1975
Well Capitalized
Net worth classification
Source: NCUA
1,580 members
Membership type: Multiple common bond – other
Below average number of members
395:1
Credit union member to staff ratio
395 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$11,265,909
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Texas
Average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
10.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Texas
Average number of branches
Employees United Credit Union Branch Locations

Employees United Federal Credit Union
2285 19th Street NW
Paris, Texas 75460
No ATM
Members Share
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1,580 members
Membership type: Multiple common bond – other
Below average number of members

With 1,580 members, the Employees United Credit Union is considered to be a small credit union. It is smaller than 71% of credit unions.

Fees Share
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$35
Average fee per member
The average fee per member at the Employees United Credit Union is $35, which is low compared to most credit unions. This rate is lower than 60% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Employees United Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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395:1
Credit union member to staff ratio
395 per each FTE employee
Compared to 411:1 nationally
Average number of staff
4 staff members
FTE (full-time equivalent)
0% of employees are part-time
4 full-time, 0 part-time

Employees United Credit Union has 4 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Employees United Credit Union has around 395 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets Share
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$11,265,909
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
28.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$2,470
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 97% of credit unions.

Employees United Credit Union holds a total of $3,440,000 in loans and leases, which is about $2,470 per member on average.

Savings interest rate Share
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0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Employees United Credit Union pays 0.25%.

Loan rates Share
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10.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
16.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
10.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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8.00%
New car loan rate
Compared to 4.0% nationally
12.00%
Used car loan rate
Compared to 5.2% nationally

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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
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