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Overview / Commentary
8250 Bryan Dairy Rd Ste 150
Largo, FL 33777

ECU Credit Union is headquartered in Largo and is the 93rd largest credit union in the state of Florida. It is also the 2,654th largest credit union in the nation. It was established in 1991 and as of December of 2017, it had grown to 12 employees and 3,739 members at 3 locations. ECU Credit Union has a B health rating.

Field of Membership Restrictions

ECU Credit Union of Florida is open to the employees of CVS Health, Rite Aide, Bardmoor Palms facility, Eckerd Kids, or employed by an affiliated contractor, sub-contractor, or at a facility located within the same complex as a branch office. Membership eligibility also extends to include the former ECU credit unions members and the family members of current credit union members.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. ECU Credit Union has a low asset base.

Health Grade Components

NCUA #67336
Year Chartered1991
Primary Regulator
Profit Margin
Return on Assets - YTD0.12%
Return on Equity - YTD0.89%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$36.4MM$37.1MM
LoansQ4 2017vs Q4 2016$22.2MM$14.6MM
DepositsQ4 2017vs Q4 2016$30.8MM$31.7MM
Equity CapitalQ4 2017vs Q4 2016$5.2MM$5.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$194.00K$192.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$391.00K$380.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

ECU Credit Union Savings Account Rates

0.45%*$50k*-Regular Share
OTHER TIERS: 0.10% $500 - $2,500 | 0.25% $2,500 - $5k | 0.30% $5k - $10k | 0.35% $10k - $50k
0.45%*$50k*-Youth Share
OTHER TIERS: 0.10% Up to $2,500 | 0.25% $2,500 - $5k | 0.30% $5k - $10k | 0.35% $10k - $50k
0.45%*$50k*-IRA Account
OTHER TIERS: 0.10% Up to $2,500 | 0.25% $2,500 - $5k | 0.30% $5k - $10k | 0.35% $10k - $50k
0.10%--Christmas Club

ECU Credit Union Money Market Rates

0.45%*$50k*-Money Savers
OTHER TIERS: 0.25% $2,500 - $5k | 0.30% $5k - $10k | 0.35% $10k - $50k

ECU Credit Union Checking Account Rates

0.35%$5k-Elite Share Draft
0.10%$5k-Regular Checking

ECU Credit Union Locations
Branch Office8250 Bryan Dairy Rd Ste 150Largo, FL 33777
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