PackageTrendsPeer
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Ecco

Pace, FL · Charter 60077

NCUA · 1 branch

Q3 2025

$16.8MAssets
$12.1MLoans
$11.5MShares
$5.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.02%, up 6 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.04% of loans (-37 bps YoY).
  • Capital: net worth / assets of 31.66%, up 345 bps from a year ago.
  • Funding: loans stand at 105.65% of shares as of Q3 2025.

Financial Results

Return on Assets (quarter, annualized)

1.02%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+25 bps YoY

Efficiency Ratio (quarter, annualized)

72.91%+47 bps YoY

Net Worth / Assets

31.66%+345 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.96%0.77%1.03%1.09%1.02%+6 bps
Return on Equity3.39%2.63%3.40%3.60%3.21%-18 bps
Net Interest Margin3.47%3.60%3.56%3.49%3.72%+25 bps
Efficiency Ratio72.44%77.29%71.26%68.98%72.91%+47 bps
Growth
Asset Growth (YoY)-6.68%-9.68%-9.94%-8.19%-8.61%-193 bps
Loan Growth (YoY)-6.57%-6.20%-9.58%-4.79%-6.43%+14 bps
Share Growth (YoY)-9.37%-13.36%-13.84%-11.49%-13.31%-394 bps
Asset Quality
Delinquent Loans / Loans0.41%0.15%0.05%0.05%0.04%-37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital28.21%29.40%30.27%30.33%31.66%+345 bps
Net Worth / Assets28.21%29.40%30.27%30.33%31.66%+345 bps
Liquidity & Funding
Loans / Shares97.88%102.50%100.06%100.17%105.65%+777 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps