ECU
State-Chartered • SEMINOLE, Florida • Est. 1991
Quick Facts
- Charter Number
- #67336
- Type
- State-Chartered
- Established
- 1991
- Headquarters
- SEMINOLE, Florida 33775
- Address
- P.O. BOX 4818
- Branches
- 3
- Members
- 2,379
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
2,379 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ECU |
|---|---|
| Total Assets | $35.4M |
| Members | 2,379 |
| Loans Outstanding | $13.9M |
| Shares & Deposits | $29.1M |
| Net Worth | $6.0M |
| Net Worth Ratio | 16.81% |
| Loan-to-Share Ratio | 47.6% |
| Delinquency Rate | 0.66% |
| Net Income | +$262,084 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations
Fairways
Main Office8250 Bryan Dairy Rd Ste 150
Largo, FL 33777
Orlando
8201 Chancellor Dr
Orlando, FL 32809
Houston
16597 Interstate 45 S
Conroe, TX 77385
Who Can Join ECU?
Membership Type: Community
Membership eligibility for ECU may vary. Contact the credit union directly to confirm qualification requirements.
Contact ECU directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. ECU is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ECU has 2,379 members and a potential membership field of 1,147,000 people.
ECU's net worth ratio is 16.81% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.8%, ECU meets this threshold.
ECU operates 3 branch locations. The main office is located at 8250 Bryan Dairy Rd Ste 150, Largo, FL 33777.
ECU was established in 1991. It is a state-chartered credit union chartered under charter number 67336. The institution has been serving members for 35 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ECU. All financial data is for informational purposes only.