Essential Credit Union: Net Worth Ratio
Data as of · sourced from NCUA 5300 call reports. How we update
Regulator records: NCUA credit union profile (charter 68736) · FFIEC NIC profile (RSSD 693989)
Essential Credit Union reported a net worth ratio of 9.06% as of Q2 2026. The net worth ratio is the NCUA's primary capital-adequacy measure, net worth as a percent of total assets; 7% is 'well capitalized', under 6% is 'undercapitalized'.
6-Quarter Trend
What Net Worth Ratio Means
The NCUA's primary capital-adequacy measure, net worth as a percent of total assets; 7% is 'well capitalized', under 6% is 'undercapitalized'.
Full definition & formula →Net Worth Ratio against similar-size credit unions
Compared with 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. Rank is the estimated share of peers this credit union outperforms.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.06% | 11.43% | 14th bottom |
Explore more for Essential Credit Union: delinquency ratio · return on assets · loan-to-share · or browse all credit unions.