Ellis Credit Union
Total assets
$5.6M
▲ +6.8% YoY
Shares & deposits
$4.6M
▲ +7.5% YoY
Loans
$2.4M
▲ +2.3% YoY
Members
681
▼ -3.5% YoY
ROA (annualized)
0.39%
peers 0.60%
ROE (annualized)
2.31%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Ellis Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +7.5% | +0.7% | +6.9 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.7 pts |
| ROA | 0.39% | 0.60% | -0.2 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- Po Box 105, Ellis, KS, 67637
- NCUA charter #
- 67797
- RSSD ID
- 40396
- 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 | $5.6M | $4.6M | $2.4M | $945K | $5K | 0.39% | 2.41% | 0.00% | 681 |
| Q4 2025 | $5.4M | $4.4M | $2.3M | $940K | $29K | 0.55% | 2.58% | 0.00% | 690 |
| Q3 2025 | $5.2M | $4.2M | $2.3M | $935K | $25K | 0.64% | 2.71% | 0.05% | 697 |
| Q2 2025 | $5.0M | $4.1M | $2.4M | $928K | $17K | 0.68% | 2.79% | 0.00% | 700 |
| Q1 2025 | $5.2M | $4.3M | $2.3M | $916K | $5K | 0.42% | 2.67% | 0.00% | 706 |
| Q4 2024 | $5.1M | $4.1M | $2.2M | $911K | $25K | 0.48% | 2.50% | 0.00% | 706 |
| Q3 2024 | $5.1M | $4.2M | $2.2M | $909K | $23K | 0.59% | 2.49% | 0.00% | 704 |
| Q2 2024 | $5.1M | $4.2M | $2.1M | $900K | $14K | 0.57% | 2.56% | 0.00% | 701 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $2.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Ellis Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.83% | 7th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.8% | 81.5% | 60th | |
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 | Ellis 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 | Ellis 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 | Ellis 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 | Ellis 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.
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