EECU

Charter #67928 | TX

3B-5B (76 CUs) Mid-Market (380 CUs)
6 3B-5B in TX

EECU has 8 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.1% in tier
  • + Organic Growth Engine: Top 14.6% in tier
  • + Relationship Depth Leader: Top 18.8% in tier
  • + ROA 0.68% above tier average
  • + Efficiency Ratio: Top 2.6% in tier
  • + Members Per Employee (MPE): Top 5.3% in tier
  • + AMR Growth Rate: Top 6.6% in tier
  • + First Mortgage Concentration (%): Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.2% in tier
  • - Liquidity Strain: Bottom 24.2% in tier
  • - Liquidity Overhang: Bottom 28.3% in tier
  • - Indirect Auto Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 297,774
+3.2% YoY+2.3% QoQ
 +59.3K 238,465
+0.6% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 17.1% in tier
Assets $4.5B
+12.8% YoY+3.0% QoQ
 +$531.2M $4.0B
-0.1% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 23.7% in tier
Loans $3.5B
+11.4% YoY+3.0% QoQ
 +$523.1M $3.0B
+3.3% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 19.7% in tier
Deposits $3.9B
+12.6% YoY+2.8% QoQ
 +$561.1M $3.3B
+1.1% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 18.4% in tier
ROA 1.4%
+0.7% YoY+5.5% QoQ
 +0.7% 0.7%
+5.3% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 7.9% in tier
NIM 2.9%
+1.8% YoY-0.1% QoQ
 -0.3% 3.2%
+13.7% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 36th in tier
Efficiency Ratio 56.6%
-2.2% YoY-2.4% QoQ
 -14.7% 71.3%
-0.6% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 2.6% in tier
Delinquency Rate 0.4%
-16.5% YoY+11.5% QoQ
 -0.4 0.8%
+15.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 32nd in tier
Loan To Share 91.0%
-1.1% YoY+0.1% QoQ
 +0.1% 90.8%
+2.0% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 45th in tier
AMR $24,973
+8.5% YoY+0.6% QoQ
 $-4K $29,088
+0.1% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 32nd in tier
CD Concentration 36.3%
+8.7% YoY+2.9% QoQ
 +7.3% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 18.7% in tier
Indirect Auto % 53.0%
+5.5% YoY+2.0% QoQ
 +34.3% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Top 2.6% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#45 of 264 • Top 6.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.54%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Engine

growth
#107 of 246 • Top 14.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.18%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.43%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 53.05%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#137 of 264 • Top 18.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 8.54%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (3)

Indirect Auto Dependency

risk
#2 of 202 • Bottom 0.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 12.82%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 53.05%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.18%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk
#128 of 183 • Bottom 24.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.96%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 11.36%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Liquidity Overhang

risk
#92 of 113 • Bottom 28.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.57%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 90.96%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 76 peers in tier

Top Strengths (13 metrics)

3
Efficiency Ratio
profitability
Value: 56.59%
Peer Avg: 71.26%
#3 of 76 Top 2.6% in 3B-5B tier
5
Members Per Employee (MPE)
engagement
Value: 714.086
Peer Avg: 433.941
#5 of 76 Top 5.3% in 3B-5B tier
6
Return on Assets (ROA)
profitability
Value: 1.43%
Peer Avg: 0.75%
#6 of 76 Top 6.6% in 3B-5B tier
6
AMR Growth Rate
growth
Value: 8.54%
Peer Avg: 2.07%
#6 of 76 Top 6.6% in 3B-5B tier
7
First Mortgage Concentration (%)
balance_sheet
Value: 15.32%
Peer Avg: 34.35%
#7 of 76 Top 7.9% in 3B-5B tier
9
Asset Growth Rate
growth
Value: 12.82%
Peer Avg: 7.42%
#9 of 76 Top 10.5% in 3B-5B tier
10
Deposit Growth Rate
growth
Value: 12.55%
Peer Avg: 8.84%
#10 of 76 Top 11.8% in 3B-5B tier
11
Net Worth Ratio
risk
Value: 12.57%
Peer Avg: 10.75%
#11 of 76 Top 13.2% in 3B-5B tier
13
Total Members
engagement
Value: 297,774
Peer Avg: 238,466
#13 of 76 Top 15.8% in 3B-5B tier
14
Total Deposits
balance_sheet
Value: $3.89B
Peer Avg: $3.33B
#14 of 76 Top 17.1% in 3B-5B tier

Top Weaknesses (1 metrics)

76
Indirect Auto Concentration (%)
balance_sheet
Value: 53.05%
Peer Avg: 20.57%
#76 of 76 Bottom 1.3% in 3B-5B tier