Elca Federal Credit Union
Total assets
$35.5M
▲ +52.9% YoY
Shares & deposits
$32.0M
▲ +62.3% YoY
Loans
$11.5M
▼ -6.5% YoY
Members
2,352
▲ +1.5% YoY
ROA (annualized)
0.26%
peers 0.60%
ROE (annualized)
2.79%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +52.9% | +1.3% | +51.6 pts |
| Share growth (YoY) | +62.3% | +0.7% | +61.7 pts |
| Loan growth (YoY) | -6.5% | -2.4% | -4.1 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 2.8% | 4.1% | -1.3 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
Profile
- Established
- 2015
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 8765 W Higgins Rd, Suite 675, Chicago, IL, 60631
- NCUA charter #
- 24866
- RSSD ID
- 4878878
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.5M | $32.0M | $11.5M | $3.3M | $23K | 0.26% | 2.50% | 0.06% | 2,352 |
| Q4 2025 | $25.6M | $22.1M | $12.2M | $3.2M | $3K | 0.01% | 3.65% | 0.14% | 2,374 |
| Q3 2025 | $25.6M | $22.2M | $12.4M | $3.2M | $-10K | -0.05% | 3.63% | 1.97% | 2,381 |
| Q2 2025 | $25.3M | $21.0M | $11.9M | $3.3M | $15K | 0.12% | 3.71% | 0.03% | 2,339 |
| Q1 2025 | $23.2M | $19.7M | $12.3M | $3.3M | $19K | 0.33% | 4.13% | 0.54% | 2,317 |
| Q4 2024 | $27.9M | $24.5M | $12.5M | $3.2M | $58K | 0.21% | 3.18% | 0.27% | 2,316 |
| Q3 2024 | $23.7M | $20.1M | $11.5M | $3.2M | $64K | 0.36% | 3.71% | 0.08% | 2,299 |
| Q2 2024 | $28.7M | $25.2M | $12.3M | $3.2M | $54K | 0.37% | 3.05% | 0.60% | 2,299 |
Loan mix (Q1 2026): real estate $5.8M · commercial $1.2M · consumer $4.4M · securities $3.5M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.50% | 3.83% | 8th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 81.5% | 71th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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