Elements Financial Federal Credit Union
Total assets
$2.50B
▼ -1.1% YoY
Shares & deposits
$2.12B
▲ +0.2% YoY
Loans
$1.66B
▲ +0.0% YoY
Members
100,051
▲ +0.5% YoY
ROA (annualized)
0.91%
peers 0.71%
ROE (annualized)
7.96%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +5.1% | -6.3 pts |
| Share growth (YoY) | +0.2% | +4.9% | -4.6 pts |
| Loan growth (YoY) | +0.1% | +5.4% | -5.4 pts |
| ROA | 0.91% | 0.71% | +0.2 pts |
| ROE | 8.0% | 6.3% | +1.7 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
Profile
- Established
- 1976
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 7123, Indianapolis, IN, 46202
- NCUA charter #
- 22468
- RSSD ID
- 926388
- 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 | $2.50B | $2.12B | $1.66B | $286.7M | $5.7M | 0.91% | 2.66% | 0.35% | 100,051 |
| Q4 2025 | $2.47B | $2.00B | $1.65B | $261.4M | $29.3M | 1.19% | 2.54% | 0.56% | 98,725 |
| Q3 2025 | $2.44B | $2.04B | $1.67B | $255.6M | $22.0M | 1.20% | 2.52% | 0.46% | 98,725 |
| Q2 2025 | $2.48B | $2.08B | $1.68B | $249.2M | $10.6M | 0.85% | 2.44% | 0.39% | 99,396 |
| Q1 2025 | $2.52B | $2.12B | $1.66B | $246.3M | $3.8M | 0.61% | 2.26% | 0.26% | 99,528 |
| Q4 2024 | $2.30B | $1.87B | $1.65B | $238.6M | $13.8M | 0.60% | 2.33% | 0.29% | 100,304 |
| Q3 2024 | $2.30B | $1.89B | $1.61B | $236.3M | $10.0M | 0.58% | 2.28% | 0.28% | 99,528 |
| Q2 2024 | $2.31B | $1.95B | $1.61B | $232.5M | $6.2M | 0.54% | 2.22% | 0.21% | 100,884 |
Loan mix (Q1 2026): real estate $950.9M · commercial $343.2M · consumer $316.1M · securities $601.6M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.71% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 6.3% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.32% | 14th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 73.0% | 23th | |
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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