State credit union · Birmingham, Alabama · NCUA charter #65464
ECO
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $187.9M
- Total assets
- 14,830
- Members
- 11.6%
- Net-worth ratio
ECO scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $187.9M; members 14,830; net-worth ratio 11.59%; health rank #3,184 of 4,374; healthier than 26th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,184 of 4,374 health · 2025Q4ECO · health 76/100 · $187.9M · 2025Q4
Call Report peers
ECO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ECO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ECO sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where ECO diverges from peer averages
- Delinquency Rate leads the peer set - 0.82% here, 0.89% peer average (-0.07 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -15.55 pp (56.65% vs 72.20%).
ECO in Alabama
- Alabama health ordinal: #65 of 89.
- Assets rank #30 of 89 inside Alabama ($187.9M reported).
- Membership ranks #27 of 89 among Alabama CUs with a reported count (14,830 members).
- One place up in Alabama, RIVERFALL (#64) ties at 76/100; one place down, Mobile Government Emp. (#66) scores 75/100, 1 point lower.
ECO Call Report trajectory
ECO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $187.9M (2025Q4) to $194.4M (2026Q1).
- Net-worth ratio shifted -0.30 pp (11.89% → 11.59%).
At 11.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
ECO gives up 24 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 12.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.59% | -0.52 pp |
| Delinquency Rate | 0.82% | -0.07 pp |
| Return on Assets | 0.31% | -0.31 pp |
| Member Growth | -8.85% | - |
| Loan-to-Share Ratio | 56.65% | -15.55 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $194.4M | - |
| 2025Q4 | $187.9M | 14,830 |
| 2024Q4 | $181.4M | 16,269 |
| 2023Q4 | $201.1M | 16,270 |
Credit Union Details
- Charter Number
- 65464
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for ECO, spread across 6 cities.
| Office | City |
|---|---|
| Adminstrative (Main Office) | Birmingham, AL |
| Alabaster | Alabaster, AL |
| Homewood | Birmingham, AL |
| Gardendale | Gardendale, AL |
| Riverchase | HOOVER, AL |
| McCalla | Mc Calla, AL |
| Trussville | Trussville, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Other-state peers near ECO
Using this data
- ECO ranks #3,184 of 4,374 nationally on financial health and #65 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Heritage South is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Heritage South
Frequently Asked Questions
Is ECO financially healthy?
ECO has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,184 of 4,374 nationally on health and #65 of 89 in Alabama. Its net worth ratio is 11.59% and its delinquency rate 0.82%.
How does ECO compare to other credit unions?
ECO scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.82% vs 0.89%). Its widest shortfall is loan-to-share ratio (56.65% vs 72.20%).
How can I join ECO?
Membership eligibility for ECO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ECO directly for current membership requirements and application steps.
Is my money safe at ECO?
ECO is a state-chartered 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. ECO's net worth ratio of 11.59% 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.