ELGA
Charter #61797 · Grand Blanc, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.77% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.95% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 44th — a 22-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 | ELGA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.47B | 54th pct | 75th pct |
| Members | 117,117 | 48th pct | 69th pct |
| Net worth ratio | 17.77% | 98th pct | 97th pct |
| Return on average assets | 1.06% | 77th pct | 67th pct |
| Net interest margin | 3.59% | 66th pct | 44th pct |
| Cost of funds | 1.10% | 23th pct | 34th pct |
| Loan-to-share | 80.61% | 33th pct | 38th pct |
| Delinquency 60+ days | 1.13% | 84th pct | 74th pct |
| Net charge-off ratio | 0.95% | 81th pct | 82th pct |
| Loan growth YoY | 34.70% | 99th pct | 89th pct |
| Share growth YoY | 52.20% | 99th pct | 92th pct |
| Efficiency ratio | 70.24% | 41th pct | 39th pct |
structural peer set hash: 0401aedbc6aef5f08afd93b0df627386… (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.