Sep, 30, 2025 — ECU CREDIT UNION is a federally insured state chartered credit union headquartered in LARGO, FL with 3 branch locations and about $35.68 million in total assets. Opened 35 years ago in 1991, ECU CREDIT UNION has about 2,413 members and employs 12 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ECU CREDIT UNION |
|---|---|
| Address: (Main Office) | 8250 Bryan Dairy Rd Ste 150 LARGO, FL 33777 |
| Phone: | (800) 382-2400 |
| Fax: | (727) 393-0127 |
| Website: | https://www.ecucreditunion.com |
| Branches: | 3 branch locations |
| Members: | 2,413 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67336 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1991 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $35,676,701 |
| CEO/Manager: | Susan Langley |
| Chairperson: | Steven Harris |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,271,236 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 2,306,449 |
| Unsecured Loans | 2,133,247 |
| Other Loans | 8,804,188 |
| TOTAL LOANS | 13,243,884 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -147,456 |
| Land And Building | 0 |
| Other Fixed Assets | 13,826 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 291,925 |
| All Other Assets | 8,340 |
| TOTAL ASSETS | 35,676,701 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 20,595 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 375,068 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,920,349 |
| Regular shares | 11,127,524 |
| All Other Shares & Deposits | 13,294,832 |
| TOTAL SHARES & DEPOSITS | 29,342,705 |
| TOTAL LIABILITIES | 29,738,368 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 5,938,333 |
| TOTAL EQUITY | 5,938,333 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 35,676,701 |
| INCOME & EXPENSE | |
| Loan Income | 552,890 |
| Investment Income | 781,880 |
| Other Income | 144,295 |
| Total Employee Compensation & Benefits | 587,714 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 519,337 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 67,500 |
| Cost of Funds | 240,929 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 156,637 |
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