Overview / Commentary
2074 Asheville Hwy
Brevard, NC 28712

Ecusta is headquartered in Brevard and is the 30th largest credit union in the state of North Carolina. It is also the 2,140th largest credit union in the nation. It was established in 1976 and as of December of 2019, it had grown to 13 employees and 6,768 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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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

NCUA #63663
Year Chartered1976
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD4.47%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$60.4MM$62.2MM
LoansQ4 2019vs Q4 2018$26.8MM$24.4MM
DepositsQ4 2019vs Q4 2018$53.2MM$55.3MM
Equity CapitalQ4 2019vs Q4 2018$7.0MM$6.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$266.00K$170.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$240.00K$128.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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Ecusta Savings Account Rates

0.50%--IRA Savings
0.50%--Health Savings Account
0.15%--Savings Account

Ecusta Checking Account Rates

0.25%--Premium Plus Checking Account
0.05%--Checking Account

Ecusta CD Rates

0.25%--12 Month Share Certificate
0.20%--3 Month Share Certificate
0.20%--6 Month Share Certificate

Ecusta IRA Rates

0.25%--12 Month IRA Share Certificate
0.20%--3 Month IRA Share Certificate
0.20%--6 Month IRA Share Certificate

Ecusta Locations
Branch Office2074 Asheville HwyBrevard, NC 28712

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