EECU Credit Union Fort Worth, Texas
EECU Credit Union is a state-chartered credit union headquartered in Fort Worth, TX, established in 1934 (NCUA charter 67928), and it is regulated and insured by the NCUA. At Q2 2026 it reported 307,364 members and total assets of $4.88B (up 11.6% from Q2 2025), the 5th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 12.70% at Q2 2026, in the well capitalized band.
Also written as EECU CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67928
- Headquarters
- Fort Worth, TX
- Established
- 1934
- Total assets, Q2 2026
- $4.88B
- Assets vs Q2 2025
- +11.6%
- Members, Q2 2026
- 307,364
- Net worth ratio, Q2 2026
- 12.70%
- Latest call report
- Q2 2026, NCUA 5300 · EECU Credit Union call report
- Asset rank in state
- 5th of 377 in Texas
- Routing number
- 311981614
- Branches
- 23
It has 16,279 more members than on June 30, 2025 (+5.6%). Its net worth ratio was up 0.16 percentage points from 12.54% on June 30, 2025. Used vehicle loans are its largest loan category, $1.53B of $3.92B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.70% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Texas
Frequently asked about EECU Credit Union
How big is EECU Credit Union?
At Q2 2026 it reported total assets of $4.88B and 307,364 members.
Where is EECU Credit Union headquartered?
It is headquartered in Fort Worth, TX, United States.
When was EECU Credit Union founded?
It was established in 1934, per NCUA records.
Is EECU Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67928): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates EECU Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is EECU Credit Union well capitalized?
Its net worth ratio was 12.70% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is EECU Credit Union's delinquency ratio?
Its delinquency ratio was 0.45% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is EECU Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.09% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fort Worth, TX 76102
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 67928
- RSSD ID
- 820598
- Members
- 307,364
- Potential members
- 2,101,111
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.70% | 10.89% | 76th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.68% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 13.23% | 8.07% | 88th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.01% | 3.45% | 24th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 50.13% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.18% | 1.68% | 17th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.45% | 0.68% | 75th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.19% | 5.12% | 55th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.09% | 88.03% | 68th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.88B total assets against $4.37B; $4.21B total shares and deposits against $3.79B; $3.92B total loans against $3.44B.
$619.0M net worth against $548.0M.
12.70% net worth ratio against 12.54%.
93.09% loan-to-share ratio against 90.84%.
0.45% delinquency ratio against 0.39%.
1.68% return on assets against 1.38%; 13.23% return on equity against 11.00%.
3.01% net interest margin against 3.06%.
307,364 members against 291,085.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.70% | 1.68% | 0.45% | 93.09% |
| March 31, 2026 | 12.57% | 1.56% | 0.42% | 90.92% |
| December 31, 2025 | 12.64% | 1.37% | 0.45% | 92.91% |
| September 30, 2025 | 12.57% | 1.62% | 0.44% | 90.96% |
| June 30, 2025 | 12.54% | 1.38% | 0.39% | 90.84% |
| March 31, 2025 | 12.47% | 1.32% | 0.41% | 89.59% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.