Ecm Federal Credit Union

Credit UnionFCURidgeland, MS·Est. 1967·NCUA #24883Compare ⇄▤ Account brief

Total assets

$29.2M

▲ +4.0% YoY

Shares & deposits

$24.9M

▲ +3.0% YoY

Loans

$14.7M

▼ -7.7% YoY

Members

2,336

▲ +0.2% YoY

ROA (annualized)

0.90%

peers 0.60%

ROE (annualized)

6.28%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+4.0%	+1.3%	+2.7 pts
Share growth (YoY)	+3.0%	+0.7%	+2.3 pts
Loan growth (YoY)	-7.7%	-2.4%	-5.3 pts
ROA	0.90%	0.60%	+0.3 pts
ROE	6.3%	4.1%	+2.2 pts

ROA ranks in the 65th percentile of its peer group · Q1 2026

Profile

Established: 1967
Charter: FCU
Primary regulator: NCUA
NCUA peer group: Peer group 3
Address: P O Box 3300, Ridgeland, MS, 39158
NCUA charter #: 24883
RSSD ID: 766593
Latest call report: Q1 2026

Total assets last 8 quarters

Members last 8 quarters

Quarterly financials NCUA 5300 call report

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$29.2M	$24.9M	$14.7M	$4.2M	$66K	0.90%	3.46%	0.64%	2,336
Q4 2025	$28.3M	$24.0M	$15.1M	$4.1M	$426K	1.50%	3.66%	0.28%	2,323
Q3 2025	$27.9M	$23.7M	$15.5M	$4.0M	$341K	1.63%	3.72%	0.51%	2,322
Q2 2025	$27.7M	$23.6M	$15.7M	$3.9M	$242K	1.75%	3.66%	0.30%	2,332
Q1 2025	$28.1M	$24.2M	$16.0M	$3.8M	$73K	1.03%	3.58%	0.29%	2,332
Q4 2024	$27.7M	$23.8M	$15.8M	$3.7M	$406K	1.47%	3.34%	0.21%	2,307
Q3 2024	$27.5M	$23.8M	$16.1M	$3.6M	$300K	1.46%	3.34%	0.20%	2,311
Q2 2024	$27.8M	$24.2M	$15.9M	$3.5M	$195K	1.40%	3.21%	0.23%

Signals what changed in the call reports

Loans down·Loans -7.7% YoY — Shrinking book — origination and marketing are on the agendaEfficiency worsening·Efficiency ratio 69.9%, worse 3 quarters running — Cost pressure — automation pitches resonate, discretionary spend does not

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Ecm Federal Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.90%	0.60%	65th
Return on equity Annualized net income ÷ equity or net worth	6.3%	4.1%	66th
Net interest margin Interest income − interest expense, ÷ assets	3.46%	3.83%

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Ratio	Ecm Federal Credit Union	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Ecm Federal Credit Union	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Ecm Federal Credit Union	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%