Ellis County Teachers & Employees Federal Credit Union
LOCATIONS
2
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HEALTH RATING
B
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CURRENT TOP RATE
4.25% APY
6 Month CD
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Overview / Commentary
Ellis County Teachers & Employees Federal Credit Union is headquartered in WAXAHACHIE and is the 270th largest credit union in the state of Texas. It is also the 3,296th largest credit union in the nation. It was established in 1958 and as of March of 2025, it had grown to 3 employees and 2,213 members at 2 locations. Ellis County Teachers & Employees Federal Credit Union's savings rates are 3X the national average, and it has a B health rating.
Field of Membership Restrictions
Membership is open to employees of the Ellis County School System, Ellis County, the cities of Ennis, Ferris, Red Oak and Waxahachie.
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. Ellis County Teachers & Employees Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 12266 |
| Year Chartered | 1958 |
| Employees | 3 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.98% |
| Return on Equity - YTD | 10.38% |
| Annual Interest Income | $231K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $17.5MM$18.2MM |
| Loans | Q1 2025vs Q1 2024 | $8.4MM$9MM |
| Deposits | Q1 2025vs Q1 2024 | $14.1MM$15.2MM |
| Equity Capital | Q1 2025vs Q1 2024 | $3.3MM$2.9MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $51K$49K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $0$0 |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |