Elektra

New York, NY · 1 · Charter #4127
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$31.7M
79th percentile
Members
5,801
99th percentile
Total loans
$2.6M
27th percentile
Total shares
$24.5M
76th percentile

Profitability

Return on assets
0.58%
39th percentile
Net interest margin
2.55%
9th percentile
Efficiency ratio
73.48%
36th percentile
Non-interest income ratio
6.30%
38th percentile

Capital & Risk

Net worth ratio
22.81%
82th percentile
Delinquency rate
6.57%
4th percentile
Net charge-off rate
5.29%
1th percentile
Loan-to-share
10.50%
2th percentile

Growth

Member growth YoY
-3.01%
33th percentile
Asset growth YoY
-3.37%
23th percentile
Loan growth YoY
-3.86%
46th percentile
Share growth YoY
-4.64%
22th percentile

Operations

Members / branch
5,801
100th percentile
Assets / member
$5,467
19th percentile
Field of membership penetration
19.34%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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