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Overview / Commentary
828-642-7284
2074 Asheville Hwy
Brevard, NC 28712

Ecusta is headquartered in Brevard and is the 31st largest credit union in the state of North Carolina. It is also the 2,122nd largest credit union in the nation. It was established in 1976 and as of September of 2016, it had grown to 13 employees and 6,469 members at 1 location. Ecusta has a B+ health rating.

Field of Membership Restrictions

Ecusta Credit Union of North Carolina is open to the residents, church members, registered students and people maintaining employment within the Counties of Transylvania and Henderson.
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Health
B+
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. Ecusta has a relatively low asset base.

Health Grade Components

Overall
NCUA #63663
Year Chartered1976
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD0.06%
Return on Equity - YTD0.55%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$59.9MM$55.8MM
LoansQ3 2016vs Q3 2015$19.2MM$19.7MM
DepositsQ3 2016vs Q3 2015$53.1MM$49.2MM
Equity CapitalQ3 2016vs Q3 2015$6.5MM$6.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$65.00K$110.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$111.00K$39.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Ecusta Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Traditional IRA
0.50%--Health Savings Account
0.50%-- Educational IRA
0.10%--Savings Account

Ecusta Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--Premium Plus Checking Account
0.05%--Checking Account

Ecusta CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--3 Month Share Certificate
0.15%--6 Month Share Certificate
0.15%--12 Month Share Certificate

Ecusta IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--3 Month IRA Share Certificate
0.15%--6 Month IRA Share Certificate
0.15%--12 Month IRA Share Certificate
Locations


Ecusta Locations
Branch Office2074 Asheville HwyBrevard, NC 28712