Ellafi

Middletown, CT · 1 · Charter #854 · www.ellafifcu.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
$176.3M
82th percentile
Members
10,096
69th percentile
Total loans
$112.2M
83th percentile
Total shares
$155.5M
84th percentile

Profitability

Return on assets
0.56%
20th percentile
Net interest margin
3.57%
45th percentile
Efficiency ratio
76.75%
11th percentile
Non-interest income ratio
34.49%
97th percentile

Capital & Risk

Net worth ratio
7.25%
1th percentile
Delinquency rate
0.33%
78th percentile
Net charge-off rate
0.61%
24th percentile
Loan-to-share
72.14%
57th percentile

Growth

Member growth YoY
-21.04%
0th percentile
Asset growth YoY
3.88%
49th percentile
Loan growth YoY
-1.17%
35th percentile
Share growth YoY
-1.11%
17th percentile

Operations

Members / branch
3,365
56th percentile
Assets / member
$17,467
73th percentile
Field of membership penetration
2.42%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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