Ecm

RIDGELAND, MS · 1 · Charter #24883 · www.ecmfcu.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
$28.3M
75th percentile
Members
2,323
73th percentile
Total loans
$15.1M
78th percentile
Total shares
$24.0M
75th percentile

Profitability

Return on assets
1.59%
82th percentile
Net interest margin
3.66%
38th percentile
Efficiency ratio
43.50%
90th percentile
Non-interest income ratio
6.88%
41th percentile

Capital & Risk

Net worth ratio
14.54%
47th percentile
Delinquency rate
0.28%
67th percentile
Net charge-off rate
0.33%
42th percentile
Loan-to-share
62.73%
53th percentile

Growth

Member growth YoY
0.69%
75th percentile
Asset growth YoY
2.31%
58th percentile
Loan growth YoY
-4.38%
44th percentile
Share growth YoY
0.84%
52th percentile

Operations

Members / branch
2,323
84th percentile
Assets / member
$12,189
72th percentile
Field of membership penetration
77.43%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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