ELCA
Charter #24866 · Chicago, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.19% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.91% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.54% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 28th — a 46-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 | ELCA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.52M | 74th pct | 28th pct |
| Members | 2,352 | 59th pct | 28th pct |
| Net worth ratio | 9.19% | 12th pct | 25th pct |
| Return on average assets | 0.30% | 31th pct | 26th pct |
| Net interest margin | 2.91% | 14th pct | 25th pct |
| Cost of funds | 1.54% | 79th pct | 75th pct |
| Loan-to-share | 36.00% | 16th pct | 15th pct |
| Delinquency 60+ days | 0.06% | 16th pct | 16th pct |
| Net charge-off ratio | 0.17% | 54th pct | 54th pct |
| Loan growth YoY | -6.93% | 18th pct | 5th pct |
| Share growth YoY | 43.93% | 100th pct | 92th pct |
| Efficiency ratio | 90.79% | 74th pct | 72th pct |
structural peer set hash: 19f4911ad59d54d418faf006ef547e85… (reproducible)
Closest structural peers
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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.