CU Explorer
Credit unions · North Carolina · Q2 2026

Electel Cooperative FCU

Credit union in Raleigh, NC · NCUA charter #24819 · Federal charter

Legal name: Electel Cooperative

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$68.2M
Total loans & leases$42.3M
Total shares & deposits$59.9M
Members7,480
Net worth$8.6M
Net worth / assets12.67%
Loans / assets61.98%
Return on assets (annualized)0.01%
Loan growth (YoY)4.63%
Member growth (YoY)−0.01%
Delinquency, all loans (60+ days)0.37%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$50M–$100M
Sponsor typeService (finance, health, transport, utilities)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-23. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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