ELEMENTS FINANCIAL
Charter #22468 · INDIANAPOLIS, IN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.68% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.47% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.35% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.05% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 38th — a 19-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 | ELEMENTS FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.50B | 55th pct | 72th pct |
| Members | 100,051 | 41th pct | 59th pct |
| Net worth ratio | 11.49% | 65th pct | 59th pct |
| Return on average assets | 0.92% | 66th pct | 61th pct |
| Net interest margin | 2.68% | 14th pct | 13th pct |
| Cost of funds | 2.47% | 85th pct | 92th pct |
| Loan-to-share | 78.01% | 28th pct | 30th pct |
| Delinquency 60+ days | 0.35% | 20th pct | 21th pct |
| Net charge-off ratio | 0.25% | 19th pct | 38th pct |
| Loan growth YoY | -0.89% | 16th pct | 16th pct |
| Share growth YoY | 3.96% | 47th pct | 64th pct |
| Efficiency ratio | 66.05% | 25th pct | 13th pct |
structural peer set hash: 648db56ca91b426c8202b4619417206d… (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.