BlastPoint's Credit Union Scorecard
ELLAFI
Charter #854 · CT
ELLAFI has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 0.7% in tier
- + Fee Income Per Member: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.76% below tier average
- - Efficiency ratio 16.71% above tier (higher cost structure)
- - Member decline: -21.1% YoY
- - Member Growth Rate: Bottom 0.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in Connecticut.
- Shares and deposits +1.4% year over year ($161M in shares and deposits).
- Membership: 9,818 members, -21.1% vs a year ago.
- Delinquency rate 0.33%.
- Return on assets 0.11%.
- Efficiency ratio 93.45% vs a 76.73% peer average.
- Loan-to-share ratio 69.67% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,818
-21.1% YoY-0.8% QoQ
|
-5.4K |
15,168
-2.6% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$178.1M
+1.5% YoY+0.2% QoQ
|
$-53.9M |
$232.0M
+0.7% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$112.1M
-1.2% YoY-0.0% QoQ
|
$-34.1M |
$146.3M
+0.2% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$160.9M
+1.4% YoY-0.1% QoQ
|
$-39.8M |
$200.7M
+0.2% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
0.1%
-92.1% YoY-29.9% QoQ
|
-0.8% |
0.9%
+12.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.7% in tier |
| NIM |
3.6%
+2.1% YoY+2.4% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
93.4%
+28.4% YoY-0.1% QoQ
|
+16.7% |
76.7%
-0.8% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate |
0.3%
-7.5% YoY-29.5% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
69.7%
-2.6% YoY+0.0% QoQ
|
-1.9% |
71.5%
-0.3% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$27,813
+27.1% YoY+0.7% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
24.1%
+3.4% YoY+1.0% QoQ
|
-0.5% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % |
9.0%
-41.8% YoY-16.4% QoQ
|
-4.7% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)