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Credit union call report ยท Largo, FL

Ecu Credit Union Call Report

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Ecu Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 258 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Ecu Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number67336
Federal Reserve RSSD ID371698

The official copy: search charter number 67336 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Ecu Credit Union call report, Q2 2026

Statement of Financial Condition (32 items)
Ecu Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $189K
1c. Total Cash on Hand 730A $189K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $2.2M
2. Cash on Deposit (total) 730B $2.2M
3. Time Deposits in Banks and Credit Unions AS0007 $14.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $17.0M
8. Available-for-Sale Debt Securities AS0067 $711K
10b. ACL on Available-for-Sale Debt Securities AS0042 -$12K
11. TOTAL INVESTMENT SECURITIES AS0013 $711K
12b. Perpetual Contributed Capital 769B $315K
13. TOTAL OTHER INVESTMENTS AS0017 $315K
15a. Number of Total Loans and Leases 025A 87,076
15b. Total Loans and Leases 025B $14.8M
17. ACL on Loans and Leases AS0048 $182K
18d. Foreclosed/Repossessed - Other AS0025 $329
18e. Foreclosed/Repossessed Assets (total) 798A $329
20. Other Fixed Assets 008 $27K
21. NCUA Share Insurance Capitalization Deposit 794 $281K
22d. Accrued Interest on Loans 009A $27K
22e. Accrued Interest on Investments 009B $73K
22f. All Other Assets 009C $1.1M
22g. Total Other Assets AS0036 $1.2M
23. TOTAL ASSETS 010 $34.1M
Accounts Payable and Other Liabilities 825 $406K
Accrued Dividends and Interest Payable 820A $18K
Member Shares of All Types 013 $27.8M
Total Shares and Deposits 018 $27.8M
Undivided Earnings 940 $6.0M
Net Income (equity) 602 -$5K
Total Net Worth 997 $5.9M
Net Worth Ratio 998 17.44%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $34.1M
Statement of Income and Expense (23 items)
Ecu Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $419K
3. Income from Investments 120 $390K
5. TOTAL INTEREST INCOME 115 $809K
6. Dividends on Shares 380 $118K
7. Interest on Deposits 381 $29K
8. Interest on Borrowed Money 340 $47
9. TOTAL INTEREST EXPENSE 350 $147K
10. NET INTEREST INCOME IS0010 $662K
12a. Credit Loss Expense - Loans and Leases IS0011 $45K
12e. Total Credit Loss Expense IS0017 $45K
13. Fee Income 131 $85K
14. Other Operating Income IS0020 $60K
23. TOTAL NON-INTEREST INCOME 117 $146K
24. Employee Compensation and Benefits 210 $402K
26. Office Occupancy 250 $21K
27. Office Operations 260 $52K
28. Educational and Promotional 270 $9K
29. Loan Servicing 280 $71K
30. Professional and Outside Services 290 $161K
32. Operating Fees 320 $5K
33. Miscellaneous Operating Expense 360 $45K
34. TOTAL NON-INTEREST EXPENSE 671 $768K
35. NET INCOME 661A -$5K
Statement pages - all other filed accounts (21 items)

delinquency (21%), credit cards (21%)

Ecu Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $75K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $30K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $3K
Loans Granted Year-to-Date 031A $106
Amount of Loans Granted Year-to-Date 031B $841K
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $82K
Number of current members (not number of accounts) 083 2,284
Number of potential members 084 1,147,000
Interest Rate of Unsecured Credit Card Loans 521 1,292.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,308.00%
Interest Rate of New Vehicle Loans 523 607.00%
Interest Rate of Used Vehicle Loans 524 661.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $58K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $40K
Amount of Regular Shares 657 $9.7M
Amount of Share Drafts 902 $5.2M
IRA/KEOGH Accounts - < 1 Year 906A $1.9M
Share Certificates - < 1 Year 908A $1.3M
Total Amount of Share Certificates 908C $1.4M
Total Amount of Money Market Shares 911 $9.6M
Number of Used Vehicle Loans 968 56,970
NCUA data file FS220A (21 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Ecu Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $27.6M
Total Shares - 1-3 Years 013B1 $110K
Total Shares and Deposits - < 1 Year 018A $27.6M
Total Shares and Deposits - 1-3 Years 018B1 $110K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 148
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $5.4M
Amount of New Vehicle Loans 385 $5.1M
Amount of Unsecured Credit Card Loans 396 $1.8M
Amount of All Other Unsecured Loans/Lines of Credit 397 $182K
Share Certificates 451 $22
Number of Accounts for Share Drafts 452 936
IRA/KEOGH Accounts 453 $88
Number of Accounts for Regular Shares 454 2,460
Money Market Shares 458 $224
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,730
Number of credit union employees who are Full-Time (26 hours or more) 564A 9
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Number of Outstanding Indirect Loans 617A 2
Total Amount of Outstanding Indirect Loans 618A $3K
Total credit lines 881 $4.0M
NCUA data file FS220B (21 items)

maturity and repricing buckets (40%), credit cards (17%)

Ecu Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $28K
Number - Total Delinquent Credit Card Loans 045A 5
Total Amount of Delinquent Unsecured Credit Card Loans 045B $31K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.1M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.1M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $26.6M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
Amount of Regular Shares - < 1 Year 657A $9.7M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $17K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $6K
Amount of Share Drafts - < 1 Year 902A $5.2M
Total Amount of IRA/KEOGH Accounts 906C $1.9M
Share Certificates - 1-3 Years 908B1 $110K
Money Market Shares - < 1 Year 911A $9.6M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $39K
Number of New Vehicle Loans 958 28,557
Total Shares 966 $4K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $280
Number of Unsecured Credit Card Loans 993 1,343
Number of All Other Unsecured Loans/Lines of Credit 994 158
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 8
NCUA data file FS220C (10 items)

charge-offs and recoveries (27%), participation loans (18%)

Ecu Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $19K
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $22K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $20K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $13K
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $1.1M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $442K
Amount of Participation Loans Purchased Year-to-Date 690 $2.8M
Outstanding balance of brokered certificates of deposit and share certificates 788 $14.2M
NCUA data file FS220D (20 items)

member services and products offered (69%), CUSO relationships (27%)

Ecu Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Bill Payer 879C2 $1
Mortgage Processing 879G $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (2 items)

loans and leases (32%), participation loans (18%)

Ecu Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $6.8M
Total Credit Lines at Corporate Credit Unions 884 $4.0M
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Ecu Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $6.7M
NCUA data file FS220I (15 items)

vehicle lending (59%), delinquency (44%)

Ecu Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $15K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $58K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $1K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $802
Number of Reportable Delinquent New Vehicle Loans 035E1 41
Number of Reportable Delinquent Used Vehicle Loans 035E2 99
Amount of Reportable Delinquent New Vehicle Loans 041C1 $2K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $26K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $28K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $13K
Amount of New Vehicle Loans YTD Recoveries 551C1 $26K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $8K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $2K
Amount of Grants Awarded Year-to-Date 926 $5K
Amount of Grants Received Year-to-Date 927 $3K
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Ecu Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $87K
Total Amount of Loans & Leases on Loan Schedule 025B1 $14.8M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.3M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 560.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 314.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 414.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $31K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $1.0M
NCUA data file FS220M (6 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Ecu Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $6.1M
Total Unfunded Commitments for Non-Commercial Loans 816T $6.7M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $593K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 8
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 32
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 8
NCUA data file FS220N (5 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Ecu Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $1
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $711K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$12K
Total Liabilities LI0069 $28.2M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $34.1M
NCUA data file FS220P (18 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Ecu Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $142
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $314
Unsecured Credit Card Loans DL0002 $4K
All Other Unsecured Loans/Lines of Credit DL0022 $320
All Other Unsecured Loans/Lines of Credit DL0023 $2K
All Other Unsecured Loans/Lines of Credit DL0024 $252
All Other Unsecured Loans/Lines of Credit DL0027 $2K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $2
New Vehicle Loans DL0030 $932
Used Vehicle Loans DL0037 $26K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $20K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $20K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $52K
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $5K
Amount of Consumer Loans in Non-Accrual Status DL0145 $82K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 2
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $3K
NCUA data file FS220Q (24 items)

investment portfolio detail (69%)

Ecu Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $726K
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $711K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $726K
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $711K
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $726K
Total Fair Value Available-for-Sale Debt Securities NV0084 $711K
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $6.7M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $7.9M
Investment Maturity Distribution - Time Deposits - Total NV0116 $14.6M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $711K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $315K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $315K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $6.7M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $8.3M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $711K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $15.7M
RBC Total Equity RB0001 $5.9M
RBC Allowance for Credit Losses RB0002 $182K
RBC Total Additions RB0005 $182K
RBC Total Deductions RB0009 $281K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $5.8M
RBC Risk-Based Capital Numerator RB0012 $5.8M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $6.8M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Vehicle - Non-commercial SL0037 $2.8M
NCUA data file FS220R (31 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Ecu Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $1.0M
RBC Schedule Total Consumer Loans RB0060 $12.5M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $182K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $182K
RBC Schedule Total Loans RB0079 $14.6M
RBC Total for Risk Weighting Total Loans RB0081 -$182K
RBC Total Loans 0% Weight RB0082 -$182K
RBC Schedule Total Other Assets RB0088 $1.5M
RBC Total for Risk Weighting Other Assets RB0090 $281K
RBC Other Assets 0% Weight RB0091 $281K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $34.1M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $99K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $99K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $34.1M
RBC Allowance for Credit Losses (Loans) RB0177 $182K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 3.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 660,297.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 5.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 362,364.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $1.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 32.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 1,273,680.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 154,596.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $155K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $40
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $2.3M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $155K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.7M
Total Shares SH0013 $27.8M
Total Shares and Deposits SH0018 $27.8M

Ecu Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Ecu Credit Union call report?

The Ecu Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Ecu Credit Union file?

Ecu Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Ecu Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Ecu Credit Union is 67336.

How often does Ecu Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Ecu Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.