State credit union · Fort Worth, Texas · NCUA charter #67928
EECU
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $4.59B
- Total assets
- 302,995
- Members
- 12.6%
- Net-worth ratio
EECU scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.59B; members 302,995; net-worth ratio 12.57%; health rank #173 of 4,374; healthier than 95th of scored peers.
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EECU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EECU sits in 95-99 with 391 others.
97 Top 5% higher than 95% 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 EECU diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 92.91% vs peer 83.90% (+9.01 pp).
EECU in Texas
- Health composite ranks #15 of 386 among scored Texas credit unions.
- Assets rank #7 of 386 inside Texas ($4.59B reported).
- Membership ranks #8 of 386 among Texas CUs with a reported count (302,995 members).
- One place up in Texas, DUGOOD (#14) ties at 97/100; one place down, Kelly Community (#16) ties at 97/100.
EECU: 2025Q4 → 2026Q1
EECU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $4.59B (2025Q4) to $4.76B (2026Q1).
- Net-worth ratio shifted -0.07 pp (12.64% → 12.57%).
12.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
EECU gives up 3 points in total. Member Growth costs the most, 1.7 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 13.3 pts
- Loan-to-Share Ratio 13.7 pts
Call Report ratios for EECU
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.57% | +1.39 pp |
| Delinquency Rate | 0.45% | -0.42 pp |
| Return on Assets | 1.16% | +0.65 pp |
| Member Growth | 3.57% | - |
| Loan-to-Share Ratio | 92.91% | +9.01 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.76B | - |
| 2025Q4 | $4.59B | 302,995 |
| 2024Q4 | $4.11B | 292,552 |
| 2023Q4 | $3.74B | 279,332 |
Credit Union Details
- Charter Number
- 67928
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Fort Worth
- Data Quarter
- 2025Q4
Branch Locations (23)
EECU operates 23 offices across 15 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| EECU (Main Office) | Fort Worth, TX |
| EECU | Arlington, TX |
| EECU | Arlington, TX |
| EECU | Burleson, TX |
| EECU | Fort Worth, TX |
| EECU | Fort Worth, TX |
| EECU | Fort Worth, TX |
| EECU | Fort Worth, TX |
| Cullen Street | Fort Worth, TX |
| EECU | Fort Worth, TX |
| Frisco - HEB | Frisco, TX |
| N. Frisco - HEB | Frisco, TX |
| Granbury - HEB | Granbury, TX |
| EECU | Hudson Oaks, TX |
| EECU | Hurst, TX |
| EECU | Mansfield, TX |
| EECU | North Richland Hills, TX |
| Plano - HEB | Plano, TX |
| EECU | Saginaw, TX |
| EECU | Southlake, TX |
| EECU | Stephenville, TX |
| EECU | Watauga, TX |
| EECU | Weatherford, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for EECU
Similar total assets
Similar health score
Using this data
- EECU ranks #173 of 4,374 nationally on financial health and #15 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GECU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GECU
Frequently Asked Questions
Is EECU financially healthy?
EECU has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #173 of 4,374 nationally on health and #15 of 386 in Texas. Its net worth ratio is 12.57% and its delinquency rate 0.45%.
How does EECU compare to other credit unions?
EECU scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.91% vs 83.90%).
How can I join EECU?
Membership eligibility for EECU depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EECU directly for current membership requirements and application steps.
Is my money safe at EECU?
EECU 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. EECU's net worth ratio of 12.57% 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.