Electric Cooperatives

LITTLE ROCK, AR · 1 · Charter #23361 · www.ElectricCoopFCU.org
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
$16.8M
57th percentile
Members
2,767
81th percentile
Total loans
$10.7M
68th percentile
Total shares
$14.1M
57th percentile

Profitability

Return on assets
2.07%
92th percentile
Net interest margin
5.32%
89th percentile
Efficiency ratio
60.99%
62th percentile
Non-interest income ratio
19.02%
81th percentile

Capital & Risk

Net worth ratio
16.01%
56th percentile
Delinquency rate
0.05%
81th percentile
Net charge-off rate
0.29%
44th percentile
Loan-to-share
75.84%
71th percentile

Growth

Member growth YoY
0.22%
70th percentile
Asset growth YoY
6.86%
83th percentile
Loan growth YoY
8.28%
87th percentile
Share growth YoY
5.57%
78th percentile

Operations

Members / branch
1,384
61th percentile
Assets / member
$6,073
24th percentile
Field of membership penetration
50.31%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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