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
Call Report peers
Electel Cooperative in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Electel Cooperative sits in 95-99 with 391 others.
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: 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%).
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).
- One place up in North Carolina, SELF-HELP (#3) ties at 95/100; one place down, Allvac Savings and (#5) scores 94/100, 1 point lower.
Quarter path for Electel Cooperative
Electel Cooperative: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $65.3M (2025Q4) to $66.5M (2026Q1).
- Net-worth ratio shifted +0.27 pp (12.66% → 12.93%).
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
Electel Cooperative gives up 5 points in total. Member Growth costs the most, 5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Electel Cooperative financially healthy?
On its 2025Q4 NCUA 5300 filing, Electel Cooperative scores 95/100 (Excellent), with a 12.93% net worth ratio and 0.36% of loans delinquent. It ranks #370 of 4,374 nationally on health and #4 of 57 in North Carolina.
How does Electel Cooperative compare to other credit unions?
Electel Cooperative scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (72.12% vs 62.60%). Its widest shortfall is net worth ratio (12.93% vs 13.62%).
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?
Electel Cooperative is a federal 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. Electel Cooperative's net worth ratio of 12.93% 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.