Ely Area

ELY, MN · 2 · Charter #63398 · www.elyareacu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

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
$73.2M
24th percentile
Members
4,605
20th percentile
Total loans
$25.6M
9th percentile
Total shares
$61.5M
24th percentile

Profitability

Return on assets
2.33%
96th percentile
Net interest margin
3.88%
63th percentile
Efficiency ratio
44.49%
91th percentile
Non-interest income ratio
12.17%
26th percentile

Capital & Risk

Net worth ratio
15.93%
81th percentile
Delinquency rate
0.50%
65th percentile
Net charge-off rate
0.06%
90th percentile
Loan-to-share
41.62%
9th percentile

Growth

Member growth YoY
-0.43%
52th percentile
Asset growth YoY
8.56%
83th percentile
Loan growth YoY
3.91%
65th percentile
Share growth YoY
7.07%
77th percentile

Operations

Members / branch
2,303
29th percentile
Assets / member
$15,890
62th percentile
Field of membership penetration
30.70%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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