TellerScore

Electric Cooperatives is a federal credit union headquartered in Little Rock, Arkansas, in business for about 47 years. At the end of Q2 2026 it reported $18.6M in total assets and $15.8M in member shares and deposits, with 2 offices.

Electric Cooperatives has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 2nd. Capital cushion contributes the most (100/100, 15.16%); earnings contributes the least (77/100, 1.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.16%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.08%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity94/100
Loans ÷ shares: 66.5% · 2.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.30%

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 rose 2 points (92 → 94), mostly because the earnings component weakened by 23 points.

TellerScore
929699Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202495
Q4 202497
Q1 202595
Q2 202592
Q3 202596
Q4 202596
Q1 202699
Q2 202694
Net worth ratio
7.00%11.51%16.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.42%
Q3 202414.07%
Q4 202415.13%
Q1 202513.84%
Q2 202514.57%
Q3 202515.16%
Q4 202516.01%
Q1 202614.87%
Q2 202615.16%
Delinquent loans (60+ days)
0.04%0.29%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.04%
Q3 20240.08%
Q4 20240.06%
Q1 20250.10%
Q2 20250.54%
Q3 20250.17%
Q4 20250.05%
Q1 20260.04%
Q2 20260.08%
Return on assets
1.43%1.90%2.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.36%
Q3 20242.34%
Q4 20242.07%
Q1 20252.26%
Q2 20252.33%
Q3 20252.10%
Q4 20251.86%
Q1 20262.12%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$18.6M15.16%0.08%1.43%66.5%
Q1 202699$18.8M14.87%0.04%2.12%63.5%
Q4 202596$16.8M16.01%0.05%1.86%75.8%
Q3 202596$17.5M15.16%0.17%2.10%76.6%
Q2 202592$17.8M14.57%0.54%2.33%70.5%
Q1 202595$18.0M13.84%0.10%2.26%62.2%
Q4 202497$15.7M15.13%0.06%2.07%73.9%
Q3 202495$16.7M14.07%0.08%2.34%71.9%
Q2 202493$16.8M13.42%0.04%2.36%71.8%

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 ratio15.16%
55th
Problem loans0.08%
81st
Net charge-offs0.03%
65th
Return on assets1.43%
83rd
Loans to deposits66.5%
39th
Uninsured deposits2.9%
37th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
79th

Similar-size credit unions in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
L R F D Federal Credit UnionCredit union Little Rock, AR59 out of 100, Moderate$18.4M17.8%6.75%vs
Lion Federal Credit UnionCredit union El Dorado, AR92 out of 100, Very strong$18.0M18.7%0.09%vs
Northwest Arkansas Federal Credit UnionCredit union Fayetteville, AR66 out of 100, Moderate$19.8M9.6%0.91%vs
White County Federal Credit UnionCredit union Searcy, AR65 out of 100, Moderate$17.0M17.7%2.58%vs
River Town Federal Credit UnionCredit union Fort Smith, AR76 out of 100, Strong$15.2M14.9%0.24%vs
Two Rivers Federal Credit UnionCredit union Arkadelphia, AR39 out of 100, Low$13.8M12.1%3.89%vs

Deposit insurance

Is my money safe at Electric Cooperatives?

Yes. Electric Cooperatives is a federally insured credit union (NCUA charter #23361). 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 2.9% of shares and deposits ($451K) 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 15.16%, 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

Electric Cooperatives lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Electric Cooperatives
Type
Federal credit union
NCUA charter #
23361
RSSD ID
998385
Primary regulator
NCUA
Established
1979
Headquarters
P.O. Box 194208, Little Rock, AR 72219
Employees
3

Quick answers

Electric Cooperatives: common questions

Is Electric Cooperatives NCUA insured?

Yes. Electric Cooperatives is a federally insured credit union (NCUA charter #23361). 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 Electric Cooperatives's TellerScore?

94 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 Electric Cooperatives have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Little Rock

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Arkansas Health Center Federal Credit UnionCredit union Benton, AR91 out of 100, Very strong$9.8M16.9%0.38%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
Producers Bank & TrustBank Mcgehee, AR90 out of 100, Very strong$213.2M22.1%0.00%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs
Dillard'S Federal Credit UnionCredit union Little Rock, AR88 out of 100, Very strong$24.8M13.1%0.06%vs