ELEKTRA
Charter #4127 · New York, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,767 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 22.89% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.24% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 7.45% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -1.09% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
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 | ELEKTRA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.81M | 65th pct | 54th pct |
| Members | 5,767 | 98th pct | 97th pct |
| Net worth ratio | 22.89% | 92th pct | 85th pct |
| Return on average assets | 0.57% | 45th pct | 41th pct |
| Net interest margin | 2.61% | 8th pct | 38th pct |
| Cost of funds | 0.24% | 17th pct | 16th pct |
| Loan-to-share | 10.66% | 0th pct | 13th pct |
| Delinquency 60+ days | 7.45% | 99th pct | 95th pct |
| Net charge-off ratio | -1.09% | 1th pct | 3th pct |
| Loan growth YoY | 5.92% | 94th pct | 90th pct |
| Share growth YoY | 0.02% | 26th pct | 39th pct |
| Efficiency ratio | 78.56% | 45th pct | 62th pct |
structural peer set hash: 6a09f042d886dbe958fe36dc58264806… (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.