State credit union · Birmingham, Alabama · NCUA charter #65464
Eco
Health score 46/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $187.9M
- Total assets
- 14,830
- Members
- 0.0%
- Net-worth ratio
Eco - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65464, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Eco - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)0
- Asset quality (delinquency)87
- Earnings (ROA)81
- Member growth0
- Liquidity (loan-to-share)80
Weighted composite: 46/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 0.03%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.03% | 30% |
| Delinquency Rate | 0.82% | 25% |
| Return on Assets | 0.31% | 15% |
| Member Growth | -8.85% | 15% |
| Loan-to-Share Ratio | 56.65% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Eco
The five-factor composite scores Eco at 46/100 (Below Average), reflecting a net worth ratio of 0.03% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Birmingham, Alabama, reports 14,830 members, $187.9M in total assets, and $99.3M in outstanding loans as of Q4 2025 under charter #65464 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.82% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 56.65% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.31% on net income of $586K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -8.85%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Eco financially healthy?
Eco has a financial health score of 46/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 0.03% and delinquency rate of 0.82%.
How does Eco compare to other credit unions?
Five weighted metrics from NCUA filings produce Eco's 46/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Eco are 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 0.03% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Eco offer compared to banks?
Credit unions like Eco are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Eco directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.