Empowerment Community Development

Houston, TX · 1 · Charter #24769 · www.ecdfcu.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
$757.5K
5th percentile
Members
595
21th percentile
Total loans
$455.1K
9th percentile
Total shares
$595.0K
6th percentile

Profitability

Return on assets
-0.19%
12th percentile
Net interest margin
5.11%
85th percentile
Efficiency ratio
90.93%
12th percentile
Non-interest income ratio
3.71%
27th percentile

Capital & Risk

Net worth ratio
10.34%
18th percentile
Delinquency rate
25.75%
1th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
76.49%
72th percentile

Growth

Member growth YoY
-4.34%
21th percentile
Asset growth YoY
-25.36%
1th percentile
Loan growth YoY
-22.60%
5th percentile
Share growth YoY
-15.10%
3th percentile

Operations

Members / branch
298
13th percentile
Assets / member
$1,273
2th percentile
Field of membership penetration
11.90%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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