State credit union · SEMINOLE, Florida · NCUA charter #67336
ECU
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $35.4M
- Total assets
- 2,379
- Members
- 16.6%
- Net-worth ratio
ECU scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.4M; members 2,379; net-worth ratio 16.57%; health rank #2,831 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,831 of 4,374 health · 2025Q4ECU · health 79/100 · $35.4M · 2025Q4
Call Report peers
ECU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ECU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ECU sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
ECU vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 16.57% vs peer 14.86% (+1.71 pp).
- Largest lag: Loan-to-Share Ratio at 47.62% vs peer 59.80% (-12.18 pp).
Where ECU sits in Florida
- In Florida, health place is #86 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #87 of 109 inside Florida ($35.4M reported).
- Member book place in Florida: #90 of 109.
- One place up in Florida, INSIGHT (#85) scores 80/100, 1 point higher; one place down, First Choice (#87) ties at 79/100.
How ECU's 5300 filing moved
ECU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $35.4M (2025Q4) to $35.9M (2026Q1).
- Net-worth ratio shifted -0.24 pp (16.81% → 16.57%).
This credit union's 16.57% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
ECU gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.6 pts
Call Report ratios for ECU
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.57% | +1.71 pp |
| Delinquency Rate | 0.66% | -0.48 pp |
| Return on Assets | 0.62% | -0.09 pp |
| Member Growth | -6.01% | - |
| Loan-to-Share Ratio | 47.62% | -12.18 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.9M | - |
| 2025Q4 | $35.4M | 2,379 |
| 2024Q4 | $36.4M | 2,531 |
| 2023Q4 | $37.4M | 2,730 |
Credit Union Details
- Charter Number
- 67336
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Florida
- City
- SEMINOLE
- Data Quarter
- 2025Q4
Branch Locations (2)
ECU operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Fairways (Main Office) | Largo, FL |
| Houston | Conroe, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ECU
Similar total assets
Using this data
- ECU ranks #2,831 of 4,374 nationally on financial health and #86 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRANSPORT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRANSPORT
Frequently Asked Questions
Is ECU financially healthy?
ECU has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,831 of 4,374 nationally on health and #86 of 109 in Florida. Its net worth ratio is 16.57% and its delinquency rate 0.66%.
How does ECU compare to other credit unions?
ECU scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.57% vs 14.86%). Its widest shortfall is loan-to-share ratio (47.62% vs 59.80%).
How can I join ECU?
Membership eligibility for ECU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ECU directly for current membership requirements and application steps.
Is my money safe at ECU?
ECU 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. ECU's net worth ratio of 16.57% 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.