Headquartered in Ridgeland, Mississippi, Ecm Federal Credit Union is a federal credit union with $28.9M in total assets and $24.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1967.
Ecm Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 9th. Capital cushion contributes the most (99/100, 14.87%); earnings contributes the least (69/100, 1.22%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (92 → 87), mostly because the earnings component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 87 |
| Q4 2024 | 88 |
| Q1 2025 | 84 |
| Q2 2025 | 92 |
| Q3 2025 | 90 |
| Q4 2025 | 92 |
| Q1 2026 | 83 |
| Q2 2026 | 87 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.54% |
| Q3 2024 | 13.08% |
| Q4 2024 | 13.36% |
| Q1 2025 | 13.57% |
| Q2 2025 | 14.23% |
| Q3 2025 | 14.48% |
| Q4 2025 | 14.54% |
| Q1 2026 | 14.32% |
| Q2 2026 | 14.87% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.03% |
| Q2 2025 | 1.75% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.50% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $28.9M | 14.87% | 0.66% | 1.22% | 62.1% |
| Q1 2026 | 83 | $29.2M | 14.32% | 0.64% | 0.90% | 59.2% |
| Q4 2025 | 92 | $28.3M | 14.54% | 0.28% | 1.50% | 62.7% |
| Q3 2025 | 90 | $27.9M | 14.48% | 0.51% | 1.63% | 65.3% |
| Q2 2025 | 92 | $27.7M | 14.23% | 0.30% | 1.75% | 66.5% |
| Q1 2025 | 84 | $28.1M | 13.57% | 0.29% | 1.03% | 66.0% |
| Q4 2024 | 88 | $27.7M | 13.36% | 0.21% | 1.47% | 66.2% |
| Q3 2024 | 87 | $27.5M | 13.08% | 0.20% | 1.46% | 67.5% |
| Q2 2024 | 85 | $27.8M | 12.54% | 0.23% | 1.40% | 65.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS | 97 out of 100, Very strong | $29.2M | 18.1% | 0.10% | vs |
| Meridian Mississippi Ang Federal Credit UnionCredit union Meridian, MS | 78 out of 100, Strong | $31.3M | 14.6% | 1.57% | vs |
| Camp Shelby Federal Credit UnionCredit union Hattiesburg, MS | 84 out of 100, Strong | $31.8M | 23.9% | 0.83% | vs |
| Gulf Trust Federal Credit UnionCredit union Pascagoula, MS | 88 out of 100, Very strong | $25.5M | 21.8% | 0.03% | vs |
| First Neshoba Federal Credit UnionCredit union Philadelphia, MS | 81 out of 100, Strong | $24.6M | 13.2% | 0.91% | vs |
| Brightview Federal Credit UnionCredit union Ridgeland, MS | 78 out of 100, Strong | $37.6M | 16.3% | 0.75% | vs |
Deposit insurance
Is my money safe at Ecm Federal Credit Union?
Yes. Ecm Federal Credit Union is a federally insured credit union (NCUA charter #24883). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 14.87%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Ecm Federal Credit Union lists 1 office in 1 city. Most locations:
- Ridgeland, MS (1)
Identity & history
Profile
- Legal name
- Ecm Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24883
- RSSD ID
- 766593
- Primary regulator
- NCUA
- Established
- 1967
- Headquarters
- P O Box 3300, Ridgeland, MS 39158
- Employees
- 3
Quick answers
Ecm Federal Credit Union: common questions
Is Ecm Federal Credit Union NCUA insured?
Yes. Ecm Federal Credit Union is a federally insured credit union (NCUA charter #24883). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Ecm Federal Credit Union's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Ecm Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Ridgeland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS | 97 out of 100, Very strong | $29.2M | 18.1% | 0.10% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Merchants and Planters BankBank Raymond, MS | 91 out of 100, Very strong | $199.0M | 18.2% | 0.00% | vs |
| Members Exchange Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $143.6M | 21.2% | 0.37% | vs |
| Magnolia Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $185.6M | 23.4% | 0.55% | vs |
| Mutual Federal Credit UnionCredit union Vicksburg, MS | 84 out of 100, Strong | $528.5M | 14.0% | 1.08% | vs |