ELLIS
Charter #67797 · ELLIS, KS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.45% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.13% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 31st — a 35-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 | ELLIS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.56M | 67th pct | 31th pct |
| Members | 681 | 59th pct | 36th pct |
| Net worth ratio | 17.01% | 48th pct | 54th pct |
| Return on average assets | 0.40% | 50th pct | 31th pct |
| Net interest margin | 2.45% | 11th pct | 3th pct |
| Cost of funds | 2.13% | 90th pct | 82th pct |
| Loan-to-share | 51.97% | 42th pct | 49th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 30th pct |
| Loan growth YoY | 4.95% | 87th pct | 97th pct |
| Share growth YoY | 9.31% | 92th pct | 92th pct |
| Efficiency ratio | 85.84% | 50th pct | 66th pct |
structural peer set hash: acdc6c78579b7fe7ac32ec97ababa227… (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.