BlastPoint's Credit Union Scorecard

ELLAFI

Charter #854 · CT

1069 CUs in 100M-500M nationally 13 in CT

ELLAFI has 3 strengths but faces 9 concerns

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 2.0% in tier
+ AMR Growth Rate: Top 0.7% in tier
+ Fee Income Per Member: Top 1.1% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 0.9% in tier
- Stagnation Risk: Bottom 22.8% in tier
- Institutional Decline: Bottom 36.8% in tier
- Efficiency Drag: Bottom 57.4% in tier
- ROA 0.56% below tier average
- Efficiency ratio 12.72% above tier (higher cost structure)
- Member decline: -21.0% YoY
- Member Growth Rate: Bottom 0.5% in tier
- Net Worth Ratio: Bottom 1.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	10,096 -21.0% YoY-14.2% QoQ	-5.3K	15,437 -2.9% YoY	14,275 +6.6% YoY	33,374 +5.7% YoY	32%
Assets	$176.3M +3.9% YoY+1.2% QoQ	$-55.5M	$231.9M +1.3% YoY	$241.1M +14.1% YoY	$561.6M +9.7% YoY	42%
Loans	$112.2M -1.2% YoY-1.1% QoQ	$-35.2M	$147.3M -0.1% YoY	$136.5M +14.4% YoY	$397.0M +8.8% YoY	43%
Deposits	$159.0M +1.1% YoY+1.3% QoQ	$-41.8M	$200.8M +0.8% YoY	$211.2M +13.7% YoY	$477.3M +9.7% YoY	45%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% +1994.3% YoY-26.0% QoQ	-0.6%	0.8% +18.2% YoY	0.6% +43.4% YoY	0.7% +15.9% YoY	Bottom 13.1% in tier
NIM	3.6% +2.1% YoY-0.6% QoQ	-0.0%	3.6% +6.7% YoY	3.6% +1.8% YoY	3.8% +5.1% YoY	49%
Efficiency Ratio	89.7% -0.2% YoY+1.3% QoQ	+12.7%	77.0% -3.1% YoY	81.1% -1.3% YoY	79.7% -3.3% YoY	Top 10.5% in tier
Delinquency Rate	0.3% -26.1% YoY-21.8% QoQ	-0.6	0.9% +4.2% YoY	1.5% +7.3% YoY	1.3% -2.1% YoY	18%
Loan To Share	70.5% -2.3% YoY-2.4% QoQ	-1.7%	72.2% -1.1% YoY	54.6% -1.8% YoY	67.4% -1.7% YoY	43%
AMR	$26,861 +26.9% YoY+16.9% QoQ	+$2K	$24,676 +3.4% YoY	$17,243 +6.0% YoY	$19,687 +2.0% YoY	72%
CD Concentration	23.9% -1.5% YoY-2.0% QoQ	-0.6%	24.4%	14.6%	19.8%	50%
Indirect Auto %	11.8% -41.7% YoY-13.4% QoQ	-2.0%	13.8%	4.6%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#11 of 513 • Top 2.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 26.87%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#6 of 554 • Bottom 0.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -21.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#127 of 554 • Bottom 22.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -21.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.17%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.33%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#89 of 240 • Bottom 36.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $176.34M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -21.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.17%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk

#309 of 538 • Bottom 57.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.74%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.19% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -21.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

AMR Growth Rate

growth

Value: 26.87%

Peer Median: -

#9 of 1069 Top 0.7% in 100M-500M tier

Fee Income Per Member

profitability

Value: $421.38

Peer Median: -

#13 of 1069 Top 1.1% in 100M-500M tier

199

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: -

#199 of 1069 Top 18.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1065

Member Growth Rate

growth

Value: -21.04%

Peer Median: -

#1065 of 1069 Bottom 0.5% in 100M-500M tier

1059

Net Worth Ratio

risk

Value: 7.26%

Peer Median: -

#1059 of 1069 Bottom 1.0% in 100M-500M tier

958

Efficiency Ratio

profitability

Value: 89.74%

Peer Median: -

#958 of 1069 Bottom 10.5% in 100M-500M tier

929

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Median: -

#929 of 1069 Bottom 13.2% in 100M-500M tier

878

Members Per Employee (MPE)

engagement

Value: 246.244

Peer Median: -

#878 of 1069 Bottom 18.0% in 100M-500M tier

816

Deposit Growth Rate

growth

Value: 1.14%

Peer Median: -

#816 of 1069 Bottom 23.8% in 100M-500M tier