Elements Financial

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

$2.5B

57^th percentile

Members

98,725

41^th percentile

Total loans

$1.7B

54^th percentile

Total shares

$2.0B

55^th percentile

Profitability

Return on assets

1.13%

60^th percentile

Net interest margin

2.54%

16^th percentile

Efficiency ratio

38.25%

90^th percentile

Non-interest income ratio

19.57%

57^th percentile

Capital & Risk

Net worth ratio

10.60%

46^th percentile

Delinquency rate

0.56%

65^th percentile

Net charge-off rate

0.19%

87^th percentile

Loan-to-share

83.59%

35^th percentile

Growth

Member growth YoY

-1.57%

15^th percentile

Asset growth YoY

7.15%

63^th percentile

Loan growth YoY

0.02%

18^th percentile

Share growth YoY

6.17%

59^th percentile

Operations

Members / branch

19,745

95^th percentile

Assets / member

$24,985

87^th percentile

Field of membership penetration

50.78%

94^th percentile

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