Ecco
Pace, FL · Charter 60077 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 1 branch
Q3 2025
$16.8MAssets
$12.1MLoans
$11.5MShares
$5.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 97% of credit unions under $1B in assets (rank 42 of 1639).
- Widest gap: return on equity trails 74% of credit unions under $1B in assets (rank 1206 of 1638).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.02%
Rank 634 of 1,639
Net Interest Margin
3.72%
Rank 904 of 1,638
Efficiency Ratio
72.88%
Rank 639 of 1,637
Equity / Assets
31.66%
Rank 42 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.40% | 0.81% | 1.29% | Beats 61% | 634 / 1,639 | | |
| Return on Equity | 3.22% | 3.02% | 6.34% | 9.49% | Beats 26% | 1,206 / 1,638 | | |
| Net Interest Margin | 3.72% | 3.27% | 3.83% | 4.38% | Beats 45% | 904 / 1,638 | | |
| Efficiency Ratio | 72.88% | 67.38% | 76.32% | 84.73% | Beats 61% | 639 / 1,637 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.27% | 0.68% | 1.33% | Beats 90% | 172 / 1,637 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 31.66% | 10.38% | 12.80% | 16.53% | Beats 97% | 42 / 1,639 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 31.66% | 10.39% | 12.80% | 16.53% | Beats 97% | 42 / 1,638 | | |
| Liquidity & Funding |
| Loans / Deposits | 105.65% | 55.01% | 72.16% | 85.44% | 98th pctl | 36 / 1,638 | | |
| Loans / Assets | 72.44% | 46.69% | 60.81% | 72.42% | 75th pctl | 409 / 1,638 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |