Electric Cooperatives Federal Credit Union
Overview / Commentary
Electric Cooperatives Federal Credit Union is headquartered in Little Rock and is the 25th largest credit union in the state of Arkansas. It is also the 3,275th largest credit union in the nation. It was established in 1979 and as of March of 2025, it had grown to 3 employees and 2,757 members at 1 location. Electric Cooperatives Federal Credit Union has a B+ health rating.
Field of Membership Restrictions
Must be employees or directors of rural electric cooperatives within the State of Arkansas; Southwest Power Pool, Today’s Power, Inc., or ERMCO, a wholly-owned subsidiary, located in Dyersburg, Tennessee.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional 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. Electric Cooperatives Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 23361 |
| Year Chartered | 1979 |
| Employees | 3 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 2.42% |
| Return on Equity - YTD | 16.35% |
| Annual Interest Income | $257K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $18MM$17.1MM |
| Loans | Q1 2025vs Q1 2024 | $9.6MM$10.5MM |
| Deposits | Q1 2025vs Q1 2024 | $15.5MM$14.9MM |
| Equity Capital | Q1 2025vs Q1 2024 | $2.5MM$2.1MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $18K$28K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $10K$18K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |