Ecu
Seminole, FL · Charter 67336 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$34.1MAssets
$14.8MLoans
$27.8MShares
$5.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 78% of credit unions under $1B in assets (rank 366 of 1683).
- Widest gap: efficiency ratio trails 90% of credit unions under $1B in assets (rank 1509 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-0.03%
Rank 1,495 of 1,683
Net Interest Margin
3.88%
Rank 785 of 1,683
Efficiency Ratio
95.05%
Rank 1,509 of 1,682
Equity / Assets
17.44%
Rank 366 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.03% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,495 / 1,683 | | |
| Return on Equity | -0.17% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,494 / 1,681 | | |
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 53% | 785 / 1,683 | | |
| Efficiency Ratio | 95.05% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,509 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 745 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.44% | 10.44% | 12.89% | 16.53% | Beats 78% | 366 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.44% | 10.44% | 12.89% | 16.53% | Beats 78% | 366 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.24% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,251 / 1,683 | | |
| Loans / Assets | 43.32% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,285 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |