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Overview / Commentary
1 Cooperative Way
Little Rock, AR 72209

Electric Cooperatives Federal Credit Union is headquartered in Little Rock and is the 28th largest credit union in the state of Arkansas. It is also the 3,970th largest credit union in the nation. It was established in 1979 and as of June of 2016, it had grown to 4 employees and 2,382 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; and ERMCO, a wholly-owned subsidiary, located in Dyersburg, TN.
See current membership details


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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. Electric Cooperatives Federal Credit Union has a low asset base.

Health Grade Components

NCUA #23361
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD6.12%
Annual Interest Income$271.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$12.9MM$12.4MM
LoansQ2 2016vs Q2 2015$7.7MM$7.6MM
DepositsQ2 2016vs Q2 2015$11.7MM$11.2MM
Equity CapitalQ2 2016vs Q2 2015$1.2MM$1.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$65.00K$54.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$20.00K$81.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0

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Electric Cooperatives Federal Credit Union Locations
Branch Office1 Cooperative WayLittle Rock, AR 72209