BlastPoint's Credit Union Scorecard

ELLAFI

Charter #854 · CT

100M-500M

1070 CUs in 100M-500M nationally 13 in CT

ELLAFI has 3 strengths but faces 8 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 50.0% in tier
+ AMR Growth Rate: Top 0.5% in tier
+ Fee Income Per Member: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.58% below tier average
- Efficiency ratio 15.52% above tier (higher cost structure)
- Member decline: -21.7% YoY
- Member Growth Rate: Bottom 0.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	9,893 -21.7% YoY-2.0% QoQ	-5.3K	15,145 -2.5% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	32%
Assets	$177.8M -0.4% YoY+0.8% QoQ	$-53.9M	$231.7M +0.8% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	43%
Loans	$112.2M -0.5% YoY+0.0% QoQ	$-32.0M	$144.1M +0.2% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	44%
Deposits	$161.0M +0.9% YoY+1.3% QoQ	$-40.1M	$201.1M +0.4% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	46%

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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% -94.6% YoY-25.7% QoQ	-0.6%	0.7% +5.1% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	Bottom 14.3% in tier
NIM	3.5% +4.1% YoY-2.5% QoQ	-0.1%	3.6% +4.6% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	93.5% +55.8% YoY+4.2% QoQ	+15.5%	78.0% -1.7% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	Bottom 8.7% in tier
Delinquency Rate	0.5% +56.3% YoY+42.6% QoQ	-0.3	0.8% +7.1% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	39%
Loan To Share	69.7% -1.3% YoY-1.2% QoQ	-0.8%	70.4% -0.4% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	45%
AMR	$27,615 +28.1% YoY+2.8% QoQ	+$3K	$24,918 +2.7% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	73%
CD Concentration	23.8% +6.3% YoY-0.1% QoQ	-0.4%	24.3%	14.5%	19.8%	50%
Indirect Auto %	10.7% -40.6% YoY-8.8% QoQ	-3.1%	13.8%	4.5%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#7 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 28.11%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#4 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -21.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#108 of 570 • Bottom 50.0% 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): -21.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.48%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.47%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#377 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#485 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 93.54%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -2.64% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -21.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (2 metrics)

AMR Growth Rate

growth

Value: 28.11%

Peer Median: 3.46%

#6 of 1070 Top 0.5% in 100M-500M tier

Fee Income Per Member

profitability

Value: $284.87

Peer Median: $154.95

#69 of 1070 Top 6.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1065

Member Growth Rate

growth

Value: -21.71%

Peer Median: -0.06%

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1061

Net Worth Ratio

risk

Value: 7.30%

Peer Median: 11.45%

#1061 of 1070 Bottom 0.9% in 100M-500M tier

978

Efficiency Ratio

profitability

Value: 93.54%

Peer Median: 78.68%

#978 of 1070 Bottom 8.7% in 100M-500M tier

917

Return on Assets (ROA)

profitability

Value: 0.15%

Peer Median: 0.69%

#917 of 1070 Bottom 14.4% in 100M-500M tier

909

Asset Growth Rate

growth

Value: -0.37%

Peer Median: 3.91%

#909 of 1070 Bottom 15.1% in 100M-500M tier

875

Members Per Employee (MPE)

engagement

Value: 247.325

Peer Median: 309.176

#875 of 1070 Bottom 18.3% in 100M-500M tier