Credit Union Safety Analysis
Is Eco Credit Union Safe? Birmingham, Alabama
Based on its Q2 2026 NCUA 5300 call report, Eco Credit Union has a net worth ratio of 11.78%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Eco Credit Union's net worth ratio is 11.78%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.78%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): 0.96%
- Loan-to-share ratio (Q2 2026): 55.53%
Eco Credit Union (NCUA charter 65464, established 1978) reported $195.1M in assets and 14,864 members for Q2 2026 from Birmingham, Alabama. It ranks 29 of 87 credit unions in Alabama by total assets. Total assets grew 4.9% from $186.1M on June 30, 2025. It has 1,414 fewer members than on June 30, 2025 (-8.7%). Its net worth ratio was up 0.04 percentage points from 11.74% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $60.3M of $99.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.59% for Q1 2026; 11.74% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.82% for Q1 2026; 0.65% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.37% for Q1 2026; 0.31% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 55.08% for Q1 2026; 52.47% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $60.3M
- Used vehicle loans: $15.7M
- New vehicle loans: $8.3M
- Unsecured credit card loans: $7.4M
- Other unsecured loans and lines of credit: $5.2M
- Other secured non-real estate loans and lines of credit: $2.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $195.1M | 11.78% | 0.86% | 0.96% | 55.53% |
| March 31, 2026 | $194.4M | 11.59% | 0.82% | 0.37% | 55.08% |
| December 31, 2025 | $187.9M | 11.89% | 0.82% | 0.50% | 56.65% |
| September 30, 2025 | $188.1M | 11.75% | 0.55% | 0.57% | 55.02% |
| June 30, 2025 | $186.1M | 11.74% | 0.65% | 0.31% | 52.47% |
| March 31, 2025 | $185.4M | 11.71% | 0.58% | 0.24% | 52.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65464) · FFIEC NIC profile (RSSD 758093)
Frequently asked questions
Is Eco Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Eco Credit Union's net worth ratio is 11.78%, above the 7% NCUA threshold for well capitalized.
Is Eco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Eco Credit Union is a federally insured credit union (NCUA charter 65464): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Eco Credit Union's key safety ratios?
For Q2 2026, Eco Credit Union reports net worth 11.78%, delinquency 0.86%, ROA 0.96%, loan-to-share 55.53%.
What happens to my money if Eco Credit Union fails?
For Q2 2026, Eco Credit Union held $179.7M in shares and deposits for 14,864 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.