Elca

Chicago, IL · 1 · Charter #24866 · www.elcafcu.org
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
$25.6M
71th percentile
Members
2,374
75th percentile
Total loans
$12.2M
72th percentile
Total shares
$22.1M
72th percentile

Profitability

Return on assets
0.05%
18th percentile
Net interest margin
3.65%
37th percentile
Efficiency ratio
68.77%
46th percentile
Non-interest income ratio
17.63%
77th percentile

Capital & Risk

Net worth ratio
12.68%
35th percentile
Delinquency rate
0.14%
75th percentile
Net charge-off rate
0.48%
34th percentile
Loan-to-share
55.20%
43th percentile

Growth

Member growth YoY
2.50%
87th percentile
Asset growth YoY
-8.40%
8th percentile
Loan growth YoY
-1.95%
55th percentile
Share growth YoY
-9.58%
9th percentile

Operations

Members / branch
2,374
85th percentile
Assets / member
$10,771
62th percentile
Field of membership penetration
0.08%
0th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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