| Metric | Ellis Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +1.3% | +10.0 pts |
| Share growth (YoY) | +13.1% | +0.9% | +12.2 pts |
| Loan growth (YoY) | +0.5% | -2.6% | +3.2 pts |
| ROA | 0.61% | 0.65% | -0.0 pts |
| ROE | 3.6% | 4.4% | -0.8 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.6M | $4.6M | $2.4M | $957K | $17K | 0.61% | 2.43% | 0.00% | 672 |
| 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 |
| Ratio | Ellis Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.1M |
| $4.2M |
| $2.1M |
| $900K |
| $14K |
| 0.57% |
| 2.56% |
| 0.00% |
| 701 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 80.6% | 42nd |
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% |
| 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% |
| Ratio | Ellis Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Ellis, KS, ranked 14th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ellis, KS | 1 | $4.6M* | 0.30% | 14th |
Kansas: 299th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1