Federal credit union · LITTLE ROCK, Arkansas · NCUA charter #23361
Electric Cooperatives
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $16.8M
- Total assets
- 2,767
- Members
- 14.9%
- Net-worth ratio
Electric Cooperatives scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.8M; members 2,767; net-worth ratio 14.87%; health rank #469 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#469 of 4,374 health · 2025Q4Electric Cooperatives · health 94/100 · $16.8M · 2025Q4
Call Report peers
Electric Cooperatives in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Electric Cooperatives vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Electric Cooperatives sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
Peer-gap read for Electric Cooperatives
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +16.04 pp (75.84% vs 59.80%).
Arkansas standing for Electric Cooperatives
- Arkansas health ordinal: #3 of 48.
- By total assets, Electric Cooperatives is #25 of 48 in Arkansas.
- Member book place in Arkansas: #21 of 48.
- One place up in Arkansas, Hurricane Creek (#2) scores 95/100, 1 point higher; one place down, North Little Rock Educators (#4) scores 93/100, 1 point lower.
Electric Cooperatives Call Report trajectory
Electric Cooperatives: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +11.7% from $16.8M (2025Q4) to $18.8M (2026Q1).
- Net-worth ratio shifted -1.14 pp (16.01% → 14.87%).
This credit union's 14.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Electric Cooperatives gives up 6 points in total. Member Growth costs the most, 5.7 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 9.3 pts
- Loan-to-Share Ratio 14.7 pts
Electric Cooperatives health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.87% | +0.01 pp |
| Delinquency Rate | 0.05% | -1.09 pp |
| Return on Assets | 1.94% | +1.23 pp |
| Member Growth | 0.22% | - |
| Loan-to-Share Ratio | 75.84% | +16.04 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Electric Cooperatives filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.8M | - |
| 2025Q4 | $16.8M | 2,767 |
| 2024Q4 | $15.7M | 2,761 |
| 2023Q4 | $15.7M | 2,838 |
Credit Union Details
- Charter Number
- 23361
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- LITTLE ROCK
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Electric Cooperatives runs 2 offices.
| Office | City |
|---|---|
| Main Branch (Main Office) | Little Rock, AR |
| AECC/AECi | Little Rock, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
A look at other Arkansas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Electric Cooperatives ranks #469 of 4,374 nationally on financial health and #3 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- L R F D is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with L R F D
Frequently Asked Questions
Is Electric Cooperatives financially healthy?
On its 2025Q4 NCUA 5300 filing, Electric Cooperatives scores 94/100 (Excellent), with a 14.87% net worth ratio and 0.05% of loans delinquent. It ranks #469 of 4,374 nationally on health and #3 of 48 in Arkansas.
How does Electric Cooperatives compare to other credit unions?
Electric Cooperatives scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (75.84% vs 59.80%).
How can I join Electric Cooperatives?
Electric Cooperatives 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 Electric Cooperatives directly for the exact boundaries and application steps.
Is my money safe at Electric Cooperatives?
Electric Cooperatives 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. Electric Cooperatives's net worth ratio of 14.87% 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.