E L C O
Charter #22083 · Elberton, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.60% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 62.15% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 34th — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | E L C O | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.23M | 62th pct | 36th pct |
| Members | 692 | 60th pct | 34th pct |
| Net worth ratio | 19.99% | 59th pct | 57th pct |
| Return on average assets | 1.09% | 74th pct | 59th pct |
| Net interest margin | 3.90% | 46th pct | 26th pct |
| Cost of funds | 0.72% | 57th pct | 36th pct |
| Loan-to-share | 90.87% | 87th pct | 79th pct |
| Delinquency 60+ days | 0.82% | 51th pct | 57th pct |
| Net charge-off ratio | 0.60% | 83th pct | 84th pct |
| Loan growth YoY | 5.50% | 88th pct | 90th pct |
| Share growth YoY | 1.63% | 62th pct | 51th pct |
| Efficiency ratio | 62.15% | 18th pct | 21th pct |
structural peer set hash: 115c049c921d1a2f4d9fe55059c99862… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.