ECU
Charter #67336 · SEMINOLE, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.10% sits at the 23rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.34% sits at the 79th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 61st — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ECU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.94M | 74th pct | 66th pct |
| Members | 2,336 | 58th pct | 44th pct |
| Net worth ratio | 16.57% | 69th pct | 72th pct |
| Return on average assets | 0.10% | 22th pct | 23th pct |
| Net interest margin | 3.70% | 43th pct | 34th pct |
| Cost of funds | 0.80% | 47th pct | 66th pct |
| Loan-to-share | 48.20% | 34th pct | 61th pct |
| Delinquency 60+ days | 0.86% | 63th pct | 69th pct |
| Net charge-off ratio | 0.35% | 65th pct | 49th pct |
| Loan growth YoY | 8.04% | 96th pct | 98th pct |
| Share growth YoY | 1.17% | 37th pct | 43th pct |
| Efficiency ratio | 94.34% | 81th pct | 79th pct |
structural peer set hash: eeb7ffb4b41cc6e73389bcf63beca57e… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.