Elga

Grand Blanc, MI · 2 · Charter #61797 · www.elgacu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.8B
43th percentile
Members
109,016
46th percentile
Total loans
$1.2B
39th percentile
Total shares
$1.3B
36th percentile

Profitability

Return on assets
2.26%
98th percentile
Net interest margin
3.84%
87th percentile
Efficiency ratio
48.41%
65th percentile
Non-interest income ratio
30.67%
97th percentile

Capital & Risk

Net worth ratio
23.86%
99th percentile
Delinquency rate
2.02%
4th percentile
Net charge-off rate
1.27%
7th percentile
Loan-to-share
88.00%
47th percentile

Growth

Member growth YoY
10.38%
94th percentile
Asset growth YoY
16.67%
94th percentile
Loan growth YoY
-1.12%
15th percentile
Share growth YoY
22.66%
97th percentile

Operations

Members / branch
6,056
31th percentile
Assets / member
$16,634
37th percentile
Field of membership penetration
1.09%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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