Eco

Birmingham, AL · 2 · Charter #65464 · www.ecocu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$187.9M
86th percentile
Members
14,830
90th percentile
Total loans
$99.3M
75th percentile
Total shares
$175.2M
90th percentile

Profitability

Return on assets
0.51%
18th percentile
Net interest margin
3.00%
18th percentile
Efficiency ratio
71.61%
22th percentile
Non-interest income ratio
21.34%
70th percentile

Capital & Risk

Net worth ratio
11.89%
45th percentile
Delinquency rate
0.82%
44th percentile
Net charge-off rate
0.20%
66th percentile
Loan-to-share
56.65%
31th percentile

Growth

Member growth YoY
-8.85%
4th percentile
Asset growth YoY
3.58%
47th percentile
Loan growth YoY
8.06%
81th percentile
Share growth YoY
1.90%
37th percentile

Operations

Members / branch
2,472
35th percentile
Assets / member
$12,670
35th percentile
Field of membership penetration
29.66%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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