Elga Credit Union
Total assets
$2.47B
▲ +53.9% YoY
Shares & deposits
$2.00B
▲ +69.4% YoY
Loans
$1.62B
▲ +36.7% YoY
Members
117,117
▲ +17.3% YoY
ROA (annualized)
0.92%
peers 0.71%
ROE (annualized)
5.19%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Elga Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +53.9% | +5.1% | +48.8 pts |
| Share growth (YoY) | +69.5% | +4.9% | +64.6 pts |
| Loan growth (YoY) | +36.7% | +5.4% | +31.3 pts |
| ROA | 0.92% | 0.71% | +0.2 pts |
| ROE | 5.2% | 6.3% | -1.1 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
Profile
- Established
- 1968
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 6065 Grand Pointe Dr, Grand Blanc, MI, 48439
- NCUA charter #
- 61797
- RSSD ID
- 697594
- 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 | $2.47B | $2.00B | $1.62B | $438.2M | $5.7M | 0.92% | 3.11% | 1.13% | 117,117 |
| Q4 2025 | $1.81B | $1.36B | $1.18B | $432.6M | $27.4M | 1.51% | 3.84% | 2.02% | 109,016 |
| Q3 2025 | $1.76B | $1.32B | $1.20B | $429.1M | $21.4M | 1.62% | 3.89% | 1.86% | 109,101 |
| Q2 2025 | $1.61B | $1.18B | $1.18B | $417.0M | $12.7M | 1.58% | 4.20% | 1.99% | 100,601 |
| Q1 2025 | $1.60B | $1.18B | $1.18B | $410.3M | $6.0M | 1.49% | 4.18% | 1.74% | 99,857 |
| Q4 2024 | $1.55B | $1.14B | $1.20B | $404.3M | $27.9M | 1.80% | 4.25% | 2.27% | 98,766 |
| Q3 2024 | $1.55B | $1.12B | $1.20B | $401.5M | $23.6M | 2.03% | 4.28% | 2.27% | 98,406 |
| Q2 2024 | $1.53B | $1.11B | $1.21B | $392.3M | $14.4M | 1.88% | 4.35% | 2.09% | 97,296 |
Loan mix (Q1 2026): real estate $535.2M · commercial $370.3M · consumer $564.0M · securities $399.9M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Elga Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.71% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 6.3% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.32% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 73.0% | 39th | |
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 | Elga Credit Union | 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 | Elga Credit Union | 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 | Elga Credit Union | 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 | Elga Credit Union | 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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