ELLIS
Charter #67797 | KS
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in KS
ELLIS has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
697
-1.0% YoY-0.4% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
Bottom 19.7% in tier |
| Assets |
$5.2M
+0.7% YoY+2.3% QoQ
|
$-24.7M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 19.8% in tier |
| Loans |
$2.3M
+3.7% YoY-3.3% QoQ
|
$-13.5M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 19.3% in tier |
| Deposits |
$4.2M
+0.2% YoY+2.7% QoQ
|
$-21.3M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 20.2% in tier |
| ROA |
0.7%
+9.6% YoY-2.1% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
44th in tier |
| NIM |
2.7%
+9.9% YoY-0.2% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio |
78.3%
+0.1% YoY+0.5% QoQ
|
-3.1% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
50th in tier |
| Delinquency Rate | 0.1% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 17.3% in tier |
| Loan To Share |
54.1%
+3.5% YoY-5.9% QoQ
|
-7.1% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
38th in tier |
| AMR |
$9,285
+2.4% YoY+0.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
25th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
450
Total Delinquency Rate (60+ days)
risk
Value:
0.05%
Peer Avg: 1.51%
#450 of 2596
Top 17.3% in <100M tier
640
Loan Growth Rate
growth
Value:
3.72%
Peer Avg: 59.01%
#640 of 2596
Top 24.6% in <100M tier
Top Weaknesses (5 metrics)
2292
Net Interest Margin (NIM)
profitability
Value:
2.74%
Peer Avg: 3.93%
#2292 of 2596
Bottom 11.7% in <100M tier
2094
Total Loans
balance_sheet
Value:
$2.27M
Peer Avg: $15.77M
#2094 of 2596
Bottom 19.4% in <100M tier
2083
Total Members
engagement
Value:
697
Peer Avg: 2,626
#2083 of 2596
Bottom 19.8% in <100M tier
2081
Total Assets
balance_sheet
Value:
$5.16M
Peer Avg: $29.86M
#2081 of 2596
Bottom 19.9% in <100M tier
2071
Total Deposits
balance_sheet
Value:
$4.20M
Peer Avg: $25.45M
#2071 of 2596
Bottom 20.3% in <100M tier