Federal credit union · RIDGELAND, Mississippi · NCUA charter #24883
ECM
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $28.3M
- Total assets
- 2,323
- Members
- 14.3%
- Net-worth ratio
ECM scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.3M; members 2,323; net-worth ratio 14.32%; health rank #602 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#602 of 4,374 health · 2025Q4ECM · health 93/100 · $28.3M · 2025Q4
Call Report peers
ECM in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ECM vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ECM sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ECM vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 62.73% vs peer 59.80% (+2.93 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.54 pp (14.32% vs 14.86%).
ECM in Mississippi
- Health composite ranks #10 of 55 among scored Mississippi credit unions.
- Assets rank #24 of 55 inside Mississippi ($28.3M reported).
- Member book place in Mississippi: #28 of 55.
- One place up in Mississippi, NAVIGATOR (#9) ties at 93/100; one place down, Meridian Mutual (#11) ties at 93/100.
Quarter path for ECM
ECM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $28.3M (2025Q4) to $29.2M (2026Q1).
- Net-worth ratio shifted -0.22 pp (14.54% → 14.32%).
At 14.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
ECM gives up 7 points in total. Member Growth costs the most, 5.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 13.2 pts
Call Report ratios for ECM
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.32% | -0.54 pp |
| Delinquency Rate | 0.28% | -0.86 pp |
| Return on Assets | 1.44% | +0.73 pp |
| Member Growth | 0.69% | - |
| Loan-to-Share Ratio | 62.73% | +2.93 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - ECM
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.2M | - |
| 2025Q4 | $28.3M | 2,323 |
| 2024Q4 | $27.7M | 2,307 |
| 2023Q4 | $27.9M | 2,237 |
Credit Union Details
- Charter Number
- 24883
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- RIDGELAND
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for ECM.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Ridgeland, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
Other-state peers near ECM
Using this data
- ECM ranks #602 of 4,374 nationally on financial health and #10 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mississippi Public Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mississippi Public Employees
Frequently Asked Questions
Is ECM financially healthy?
On its 2025Q4 NCUA 5300 filing, ECM scores 93/100 (Excellent), with a 14.32% net worth ratio and 0.28% of loans delinquent. It ranks #602 of 4,374 nationally on health and #10 of 55 in Mississippi.
How does ECM compare to other credit unions?
ECM scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (62.73% vs 59.80%). Its widest shortfall is net worth ratio (14.32% vs 14.86%).
How can I join ECM?
ECM operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ECM directly for the exact boundaries and application steps.
Is my money safe at ECM?
ECM is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ECM's net worth ratio of 14.32% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.