Credit union · NCUA insured
Electric Cooperatives FCU
A $18.8M credit union headquartered in Little Rock, AR, with 2,581 members and 1 branch in Arkansas. Best rates: savings 1.77% APY.
Electric Cooperatives FCU Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#8 of 26 in Little Rock, AR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Electric Cooperatives FCU
Electric Cooperatives Federal Credit Union is a member-owned financial cooperative headquartered in Little Rock, Arkansas.
- Headquarters
- 1 Cooperative Way, Little Rock, AR 72209
- NCUA charter
- 23361
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible for membership.
- Employees or directors of rural electric cooperatives within the State of Arkansas, Southwest Power Pool, Today’s Power, Inc., or ERMCO (a wholly-owned subsidiary located in Dyersburg, TN) are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
Family and household
- Members of the immediate families of qualifying persons are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of eligible individuals are eligible for membership.
Branches
1 branch in Arkansas
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Arkansas
1 branch
- Main BranchMain office1 Cooperative Way, Little Rock, AR 72209Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.16% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.08% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.51% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $67 | $59 | — |
- CapitalNet worth ratio15.16%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.08%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.51%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$67Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Electric Cooperatives FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.