TellerScore

Ecu Credit Union (NCUA charter #67336) is based in Seminole, Florida. Its Q2 2026 call report shows $34.1M in total assets and $27.8M in member shares and deposits and 2 offices across 2 states.

Ecu Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 28th. Capital cushion contributes the most (100/100, 17.44%); earnings contributes the least (19/100, -0.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.44%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.56%
Earnings19/100
Return on assets (annualized): -0.03%
Funding & liquidity100/100
Loans ÷ shares: 53.2% · 4.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.39%

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 4 points (83 → 79), mostly because the earnings component weakened by 28 points.

TellerScore
637383Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202483
Q4 202463
Q1 202579
Q2 202583
Q3 202582
Q4 202582
Q1 202677
Q2 202679
Net worth ratio
7.00%12.22%17.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.40%
Q3 202415.67%
Q4 202415.86%
Q1 202516.14%
Q2 202516.38%
Q3 202516.64%
Q4 202516.81%
Q1 202616.57%
Q2 202617.44%
Delinquent loans (60+ days)
0.56%1.75%2.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.19%
Q3 20240.76%
Q4 20242.94%
Q1 20251.16%
Q2 20250.79%
Q3 20250.73%
Q4 20250.66%
Q1 20260.86%
Q2 20260.56%
Return on assets
-0.03%0.32%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.66%
Q4 20240.60%
Q1 20250.59%
Q2 20250.66%
Q3 20250.59%
Q4 20250.49%
Q1 20260.09%
Q2 2026-0.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$34.1M17.44%0.56%-0.03%53.2%
Q1 202677$35.9M16.57%0.86%0.09%48.2%
Q4 202582$35.4M16.81%0.66%0.49%47.6%
Q3 202582$35.7M16.64%0.73%0.59%45.1%
Q2 202583$36.0M16.38%0.79%0.66%42.1%
Q1 202579$36.2M16.14%1.16%0.59%39.8%
Q4 202463$36.4M15.86%2.94%0.60%40.4%
Q3 202483$36.7M15.67%0.76%0.66%38.0%
Q2 202479$36.9M15.40%1.19%0.65%38.1%

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).

Capital ratio17.44%
67th
Problem loans0.56%
56th
Net charge-offs0.25%
42nd
Return on assets-0.03%
18th
Loans to deposits53.2%
58th
Uninsured deposits4.0%
28th
Loan-loss reserves0.00%
37th
Texas ratio1.4%
60th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Transport Credit UnionCredit union Tampa, FL85 out of 100, Very strong$35.8M18.6%0.52%vs
Pompano Beach City Emp. Credit UnionCredit union Pompano Beach, FL80 out of 100, Strong$31.0M19.3%0.06%vs
Walton County Teachers Federal Credit UnionCredit union Defuniak Spring, FL81 out of 100, Strong$30.1M10.9%0.45%vs
Florida a & M University Federal Credit UnionCredit union Tallahassee, FL43 out of 100, Below average$28.0M11.9%3.46%vs
Jax Fire Credit UnionCredit union Jacksonville, FL78 out of 100, Strong$40.4M13.3%0.57%vs

Deposit insurance

Is my money safe at Ecu Credit Union?

Yes. Ecu Credit Union is a federally insured credit union (NCUA charter #67336). 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 4.0% of shares and deposits ($1.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Ecu Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ecu Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67336
RSSD ID
371698
Primary regulator
State + NCUA
Established
1991
Headquarters
P.O. Box 4818, Seminole, FL 33775
Employees
10

Quick answers

Ecu Credit Union: common questions

Is Ecu Credit Union NCUA insured?

Yes. Ecu Credit Union is a federally insured credit union (NCUA charter #67336). 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 Ecu Credit Union's TellerScore?

79 out of 100 (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 Ecu Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Seminole

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Transport Credit UnionCredit union Tampa, FL85 out of 100, Very strong$35.8M18.6%0.52%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Gallup Federal Credit UnionCredit union Omaha, NE84 out of 100, Strong$16.4M18.1%0.05%vs
Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs
Franklin-Somerset Federal Credit UnionCredit union Madison, ME81 out of 100, Strong$149.3M12.9%0.75%vs