Electel Cooperative Federal Credit Union
Total assets
$66.5M
▲ +2.5% YoY
Shares & deposits
$57.9M
▲ +2.7% YoY
Loans
$41.1M
▲ +2.8% YoY
Members
7,381
▼ -1.7% YoY
ROA (annualized)
-0.23%
peers 0.60%
ROE (annualized)
-1.77%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.0 pts |
| Loan growth (YoY) | +2.8% | -2.4% | +5.1 pts |
| ROA | -0.23% | 0.60% | -0.8 pts |
| ROE | -1.8% | 4.1% | -5.9 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
Profile
- Established
- 1969
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 3400 Sumner Blvd, Raleigh, NC, 27616
- NCUA charter #
- 24819
- RSSD ID
- 945192
- 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 | $66.5M | $57.9M | $41.1M | $8.6M | $-38K | -0.23% | 4.13% | 0.22% | 7,381 |
| Q4 2025 | $65.3M | $56.6M | $40.8M | $8.3M | $380K | 0.58% | 4.33% | 0.36% | 7,465 |
| Q3 2025 | $64.4M | $55.9M | $41.0M | $8.6M | $304K | 0.63% | 4.32% | 0.25% | 7,465 |
| Q2 2025 | $63.7M | $55.2M | $40.4M | $8.6M | $304K | 0.95% | 4.31% | 0.39% | 7,481 |
| Q1 2025 | $64.9M | $56.4M | $40.0M | $8.5M | $247K | 1.52% | 4.28% | 0.34% | 7,509 |
| Q4 2024 | $63.3M | $54.8M | $39.3M | $8.3M | $472K | 0.75% | 4.44% | 0.74% | 7,404 |
| Q3 2024 | $62.9M | $54.5M | $39.5M | $8.1M | $338K | 0.72% | 4.52% | 0.49% | 7,549 |
| Q2 2024 | $62.9M | $54.6M | $39.5M | $8.0M | $188K | 0.60% | 4.38% | 0.74% | 7,507 |
Loan mix (Q1 2026): real estate $9.5M · commercial $0 · consumer $29.2M · securities $20.5M
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 | -0.23% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.83% | 64th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.8% | 81.5% | 78th | |
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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