Federal credit union · Raleigh, North Carolina · NCUA charter #24819
Electel Cooperative
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $65.3M
- Total assets
- 7,465
- Members
- 12.9%
- Net-worth ratio
Electel Cooperative scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.3M; members 7,465; net-worth ratio 12.93%; health rank #370 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#370 of 4,374 health · 2025Q4Electel Cooperative · health 95/100 · $65.3M · 2025Q4
- MEM 95/100
- RANK 12.9%
- PHOTO 0.36%
- BOOK 0.72%
- CHARTER $65.3M
- NCUSIF 7,465
- CAMELS #370/4,374
- HEALTH Kenmore N. Y. Teachers
- NW 24819
Call Report peers
Electel Cooperative in the assets neighbourhood
Electel Cooperative's $65.3M assets sit next to Kenmore N. Y. Teachers ($65.3M) 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.
Electel Cooperative 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
95 Top 10% higher than 90% 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
Electel Cooperative - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24819, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Electel Cooperative: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 72.12% here, 62.60% peer average (+9.52 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.69 pp (12.93% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Carolina standing for Electel Cooperative
- North Carolina health ordinal: #4 of 57.
- Assets rank #31 of 57 inside North Carolina ($65.3M reported).
- Membership ranks #27 of 57 among North Carolina CUs with a reported count (7,465 members).
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Electel Cooperative
Electel Cooperative: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $65.3M (2025Q4) to $66.5M (2026Q1).
- Net-worth ratio shifted +0.27 pp (12.66% → 12.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Electel Cooperative
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.93% | -0.69 pp |
| Delinquency Rate | 0.36% | -0.61 pp |
| Return on Assets | 0.72% | +0.07 pp |
| Member Growth | 0.82% | - |
| Loan-to-Share Ratio | 72.12% | +9.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.5M | - |
| 2025Q4 | $65.3M | 7,465 |
| 2024Q4 | $63.3M | 7,404 |
| 2023Q4 | $60.7M | 7,423 |
Credit Union Details
- Charter Number
- 24819
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- North Carolina
- City
- Raleigh
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Electel Cooperative runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Raleigh (Main Office) | Raleigh, NC |
| Caswell | Burlington, NC |
| Hillsborough | Hillsborough, NC |
| Roxboro | Roxboro, NC |
| Wake Forest | WAKE FOREST, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Electel Cooperative nationwide neighbourhoods
Electel Cooperative's nationwide photo peers by assets and by health score, excluding North Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($65.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Electel Cooperative ranks #370 of 4,374 nationally on financial health and #4 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lion's Share is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lion's Share
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina 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 Electel Cooperative financially healthy?
A 12.93% net worth ratio and a 0.36% delinquency rate feed into Electel Cooperative's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #370 of 4,374; by total assets it ranks #2,191 of 4,374 nationally (same basis as /rankings/largest); and #31 of 57 within North Carolina. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Electel Cooperative compare to other credit unions?
Electel Cooperative scores 95/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Electel Cooperative?
Electel Cooperative operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Electel Cooperative directly for the exact boundaries and application steps.
Is my money safe at Electel Cooperative?
Federal credit unions like Electel Cooperative 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. Electel Cooperative's net worth ratio of 12.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Electel Cooperative offer compared to banks?
Credit unions like Electel Cooperative 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 Electel Cooperative 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.