BlastPoint's Credit Union Scorecard
ELCA
Charter #24866 · IL
ELCA has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Deposit Growth Rate: Top 0.3% in tier
- + Asset Growth Rate: Top 0.4% in tier
- + AMR Growth Rate: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.16% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,352
+1.5% YoY-0.9% QoQ
|
-324 |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$35.5M
+52.9% YoY+38.9% QoQ
|
+$5.3M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$11.5M
-6.5% YoY-5.7% QoQ
|
$-3.8M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$32.0M
+62.3% YoY+44.6% QoQ
|
+$6.2M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
67% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-15.9% YoY
|
+0.1% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
2.5%
-33.4% YoY-31.4% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
90.8%
-1.5% YoY-8.2% QoQ
|
+0.2% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
0.1%
-89.7% YoY-59.6% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
36.0%
-42.4% YoY-34.8% QoQ
|
-22.5% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$18,498
+33.9% YoY+27.9% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
5.1%
-17.5% YoY-25.8% QoQ
|
-19.1% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)