Ecu

SEMINOLE, FL · 2 · Charter #67336 · www.ecucreditunion.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$35.4M
84th percentile
Members
2,379
75th percentile
Total loans
$13.9M
76th percentile
Total shares
$29.1M
83th percentile

Profitability

Return on assets
0.74%
47th percentile
Net interest margin
4.09%
54th percentile
Efficiency ratio
72.27%
39th percentile
Non-interest income ratio
15.60%
71th percentile

Capital & Risk

Net worth ratio
16.81%
60th percentile
Delinquency rate
0.66%
52th percentile
Net charge-off rate
0.54%
30th percentile
Loan-to-share
47.62%
31th percentile

Growth

Member growth YoY
-6.01%
13th percentile
Asset growth YoY
-2.83%
25th percentile
Loan growth YoY
13.54%
93th percentile
Share growth YoY
-3.76%
26th percentile

Operations

Members / branch
793
37th percentile
Assets / member
$14,885
85th percentile
Field of membership penetration
0.21%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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