Sep, 30, 2025 — ECCO CREDIT UNION is a federally insured state chartered credit union headquartered in PACE, FL with 1 branch location and about $16.76 million in total assets. Opened 70 years ago in 1956, ECCO CREDIT UNION has about 953 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ECCO CREDIT UNION |
|---|---|
| Address: (Main Office) | 4644 E Spencer Field Rd PACE, FL 32571 |
| Phone: | (850) 994-6982 |
| Fax: | (850) 994-6983 |
| Website: | n/a |
| Branches: | 1 branch locations |
| Members: | 953 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 60077 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1956 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $16,757,895 |
| CEO/Manager: | Charles O'Quinn |
| Chairperson: | David R Hart |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,379,295 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 8,279,798 |
| Unsecured Loans | 414,133 |
| Other Loans | 3,446,459 |
| TOTAL LOANS | 12,140,390 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -100,301 |
| Land And Building | 44,446 |
| Other Fixed Assets | 30,023 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 121,985 |
| All Other Assets | 0 |
| TOTAL ASSETS | 16,757,895 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 12,934 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 8,331,636 |
| All Other Shares & Deposits | 3,159,553 |
| TOTAL SHARES & DEPOSITS | 11,491,189 |
| TOTAL LIABILITIES | 11,504,123 |
| Regular Reserve | 0 |
| Other Reserves | 541,313 |
| Undivided Earnings | 4,712,459 |
| TOTAL EQUITY | 5,253,772 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 16,757,895 |
| INCOME & EXPENSE | |
| Loan Income | 556,218 |
| Investment Income | 56,858 |
| Other Income | 0 |
| Total Employee Compensation & Benefits | 245,994 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 98,130 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 145,631 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 127,871 |
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