Electel Cooperative

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$65.3M

17^th percentile

Members

7,465

49^th percentile

Total loans

$40.8M

29^th percentile

Total shares

$56.0M

17^th percentile

Profitability

Return on assets

0.91%

42^th percentile

Net interest margin

4.33%

84^th percentile

Efficiency ratio

64.98%

43^th percentile

Non-interest income ratio

15.30%

40^th percentile

Capital & Risk

Net worth ratio

12.66%

56^th percentile

Delinquency rate

0.36%

75^th percentile

Net charge-off rate

0.24%

61^th percentile

Loan-to-share

72.89%

59^th percentile

Growth

Member growth YoY

0.82%

68^th percentile

Asset growth YoY

3.06%

43^th percentile

Loan growth YoY

3.97%

65^th percentile

Share growth YoY

3.21%

48^th percentile

Operations

Members / branch

1,493

9^th percentile

Assets / member

$8,741

7^th percentile

Field of membership penetration

0.72%

10^th percentile

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