Raleigh, North Carolina · Peer group 4
Electel Cooperative Credit Union
Electel Cooperative Credit Union holds $66.5M in assets across 7,381 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1969. Charter number 24819, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $66.5M |
|---|---|
| Total loans | $41.1M |
| Total shares (deposits) | $57.9M |
| Net worth | $8.6M |
| Members | 7,381 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.5% | |
|---|---|---|
| Loans | 2.8% | around the 68th percentile of its peer group |
| Deposits | 2.7% | around the 58th percentile of its peer group |
| Members | -1.7% | around the 45th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 71.0% | around the 70th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.9% | around the 51st percentile of its peer group |
| Return on assets | -0.23% | lower than 91% of its peer group |
| Delinquency ratio | 0.22% | around the 22nd percentile of its peer group |
| Cash / assets | 5.7% | around the 17th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Electel Cooperative Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within North Carolina — the comparison set a peer ratio is measured against.
- Lion's Share Credit Union
Salisbury, NC
$65.9M · 12,578 members
- Vision Financial Credit Union
Durham, NC
$60.3M · 6,064 members
- Acclaim Credit Union
GREENSBORO, NC
$58.9M · 5,053 members
- Charlotte Fire Department Credit Union
Charlotte, NC
$54.5M · 3,016 members
- Telco Credit Union
TARBORO, NC
$53.5M · 6,645 members
- Healthshare Credit Union
Greensboro, NC
$50.2M · 5,727 members
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