Ellis County Teachers and Employees

WAXAHACHIE, TX · 1 · Charter #12266 · www.ectefcu.net
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
$18.0M
59th percentile
Members
2,218
71th percentile
Total loans
$7.7M
57th percentile
Total shares
$14.4M
58th percentile

Profitability

Return on assets
1.91%
89th percentile
Net interest margin
3.53%
34th percentile
Efficiency ratio
33.02%
96th percentile
Non-interest income ratio
2.03%
19th percentile

Capital & Risk

Net worth ratio
19.79%
73th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.08%
64th percentile
Loan-to-share
53.52%
40th percentile

Growth

Member growth YoY
0.45%
72th percentile
Asset growth YoY
4.11%
69th percentile
Loan growth YoY
-11.22%
20th percentile
Share growth YoY
2.56%
61th percentile

Operations

Members / branch
1,109
51th percentile
Assets / member
$8,132
40th percentile
Field of membership penetration
16.10%
29th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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