ELLAFI
Charter #854 · Middletown, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.30% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of 0.15% sits at the 18th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.54% sits at the 90th percentile of structural peers — worth a closer look.
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 | ELLAFI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $177.82M | 43th pct | 38th pct |
| Members | 9,893 | 32th pct | 26th pct |
| Net worth ratio | 7.30% | 1th pct | 2th pct |
| Return on average assets | 0.15% | 14th pct | 18th pct |
| Net interest margin | 3.52% | 41th pct | 34th pct |
| Cost of funds | 1.07% | 42th pct | 46th pct |
| Loan-to-share | 69.66% | 45th pct | 44th pct |
| Delinquency 60+ days | 0.47% | 39th pct | 31th pct |
| Net charge-off ratio | 0.29% | 42th pct | 41th pct |
| Loan growth YoY | -1.08% | 35th pct | 36th pct |
| Share growth YoY | 2.62% | 37th pct | 33th pct |
| Efficiency ratio | 93.54% | 92th pct | 90th pct |
structural peer set hash: 61e9929427d6675c22918bf5ef6a1d62… (reproducible)
Closest structural peers
This is the free public view
Claim ELLAFI
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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.