E L C O

Elberton, GA · 1 · Charter #22083
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$5.1M
25th percentile
Members
685
24th percentile
Total loans
$3.5M
34th percentile
Total shares
$3.9M
25th percentile

Profitability

Return on assets
1.62%
83th percentile
Net interest margin
4.52%
69th percentile
Efficiency ratio
51.94%
80th percentile
Non-interest income ratio
6.87%
40th percentile

Capital & Risk

Net worth ratio
20.35%
75th percentile
Delinquency rate
1.00%
41th percentile
Net charge-off rate
0.60%
28th percentile
Loan-to-share
89.56%
87th percentile

Growth

Member growth YoY
2.09%
84th percentile
Asset growth YoY
8.04%
88th percentile
Loan growth YoY
13.80%
93th percentile
Share growth YoY
7.44%
85th percentile

Operations

Members / branch
685
32th percentile
Assets / member
$7,396
34th percentile
Field of membership penetration
76.11%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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