Ent Credit Union (68671), a $9.7B credit union headquartered in Colorado Spring, CO, led by CEO Graves, reported $8.3B in member deposits at the end of 2025 Q3, a decrease of $104.9M (-1.2%) compared to the same quarter last year.
The credit union's 101.9% loan-to-share ratio indicates strong loan demand relative to deposits, which may require attention to deposit pricing and liquidity management.
Net effect: elevated loan-to-share ratio limits incremental lending capacity.
Deposit Composition
Ent Credit Union's deposit portfolio is led by Share Certificates, comprising 28.0% of total deposits—time deposits (cds) with fixed terms and rates.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Share Certificates | $2.3B | 28.0% | -11.1% |
| Regular Shares | $2.0B | 24.2% | +2.1% |
| Share Drafts | $2.0B | 23.5% | +3.4% |
| Money Market | $1.7B | 20.8% | +5.3% |
| IRA/KEOGH | $269.6M | 3.2% | -1.5% |
| Other Shares | $16.7M | 0.2% | -2.2% |
| Non-Member Deposits | $414K | 0.0% | -64.7% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Deposit contraction may reflect rate-sensitive members moving funds to higher-yielding alternatives, or broader economic pressures affecting member savings capacity.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $8.3B | $15K | |
| 2024 Q3 | $8.4B | +1.8% | $15K |
| 2024 Q4 | $8.6B | +1.6% | $15K |
| 2025 Q1 | $8.8B | +2.3% | $16K |
| 2025 Q2 | $8.4B | -4.1% | $15K |
| 2025 Q3 | $8.3B | -0.9% | $14K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Ent Credit Union serves 581,730 members, an increase of 5.5% year-over-year. The average member deposit of $14K has declined 6.4% compared to last year.
Member growth outpacing deposit growth may indicate acquisition of lower-balance members or competitive pressure on rates.
Peer Comparison
Among 76 credit unions in its $4.9B–$14.6B asset peer group, Ent Credit Union ranks in the 5th percentile for deposit growth. This suggests room for improvement in member deposit attraction and retention.
Outlook
Ent Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
Ent Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether the credit union can stabilize its deposit base.
Track This Credit Union
Monitor Ent Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.