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.
5300 filing masthead
NCUA 5300 Call Report Masthead
#173 of 4,374 health · 2025Q4EECU · health 97/100 · $4.59B · 2025Q4
- CAMELS 97/100
- HEALTH 12.6%
- NW 0.45%
- DELQ 1.16%
- ROA $4.59B
- ASSETS 302,995
- MEM #173/4,374
- RANK BLAZE
- PHOTO 67928
EECU in the assets neighbourhood
EECU's $4.59B assets sit next to BLAZE ($4.58B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EECU vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
EECU - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67928: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where EECU diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 92.91% vs peer 83.90% (+9.01 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
EECU: 2025Q4 → 2026Q1
EECU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $4.59B (2025Q4) to $4.76B (2026Q1).
- Net-worth ratio shifted -0.07 pp (12.64% → 12.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for EECU - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.59B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is EECU financially healthy?
EECU has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #173 of 4,374; by total assets it ranks #102 of 4,374 nationally (same basis as /rankings/largest); and #7 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.57% and delinquency rate of 0.45%.
How does EECU compare to other credit unions?
97/100 is EECU's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like EECU 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. EECU's net worth ratio of 12.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EECU offer compared to banks?
Credit unions like EECU 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 EECU directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.