ELLAFI

Charter #854 | CT

100M-500M (1077 CUs) Micro
16 100M-500M in CT

ELLAFI has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.7% in tier
  • + Wallet Share Momentum: Top 7.6% in tier
  • + Emerging Performer: Top 33.0% in tier
  • + Net Interest Margin 0.03% above tier average
  • + Fee Income Per Member: Top 1.5% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 3.0% in tier
  • - Institutional Decline: Bottom 9.8% in tier
  • - Stagnation Risk: Bottom 12.2% in tier
  • - Efficiency Drag: Bottom 22.4% in tier
  • - ROA 0.51% below tier average
  • - Efficiency ratio 11.32% above tier (higher cost structure)
  • - Member decline: -8.3% YoY
  • - Net Worth Ratio: Bottom 1.1% in tier
  • - Member Growth Rate: Bottom 4.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 11,761
-8.3% YoY-5.4% QoQ
 -3.9K 15,628
-3.4% YoY
 13,754
+3.9% YoY
 33,089
+6.1% YoY
 40th in tier
Assets $174.3M
+3.1% YoY-0.6% QoQ
 $-57.0M $231.3M
-0.0% YoY
 $223.0M
+8.2% YoY
 $547.7M
+7.8% YoY
 40th in tier
Loans $113.4M
-3.1% YoY-0.1% QoQ
 $-34.4M $147.8M
-1.4% YoY
 $129.0M
+9.8% YoY
 $388.7M
+8.6% YoY
 44th in tier
Deposits $156.9M
+0.4% YoY-1.1% QoQ
 $-43.4M $200.3M
-0.0% YoY
 $195.5M
+7.9% YoY
 $464.6M
+9.3% YoY
 44th in tier
ROA 0.3%
-295.9% YoY-79.5% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.4%
-140.5% YoY
 0.7%
+273.4% YoY
 Bottom 17.0% in tier
NIM 3.6%
+4.4% YoY+2.8% QoQ
 +0.0% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 52nd in tier
Efficiency Ratio 88.6%
-4.4% YoY+21.8% QoQ
 +11.3% 77.3%
-3.0% YoY
 85.8%
+0.7% YoY
 79.1%
-3.3% YoY
 Top 12.5% in tier
Delinquency Rate 0.4%
-34.4% YoY+17.7% QoQ
 -0.4 0.9%
+7.6% YoY
 1.2%
+0.2% YoY
 1.2%
-0.9% YoY
 30th in tier
Loan To Share 72.3%
-3.5% YoY+1.0% QoQ
 -0.4% 72.7%
-1.5% YoY
 56.5%
+1.7% YoY
 68.0%
-1.7% YoY
 45th in tier
AMR $22,984
+7.9% YoY+5.0% QoQ
 $-1K $24,363
+2.9% YoY
 $16,763
+4.9% YoY
 $19,418
+1.3% YoY
 53rd in tier
CD Concentration 24.3%
+0.7% YoY+4.6% QoQ
 -0.1% 24.4%
+4.2% YoY
 14.4%
+16.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 13.6%
-35.4% YoY-11.8% QoQ
 -0.4% 14.0%
-5.8% YoY
 5.3%
-6.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#102 of 1006 • Top 3.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.90%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#210 of 1006 • Top 7.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.90%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#620 of 627 • Top 33.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.27%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -8.30%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline
#50 of 550 • Bottom 3.0% in tier

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

Why This Signature
Member Growth (YoY): -8.30%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#78 of 256 • Bottom 9.8% in tier

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

Why This Signature
Total Assets: $174.33M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -8.30%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -3.08%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Stagnation Risk

risk
#202 of 550 • Bottom 12.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.27%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -8.30%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 24.34%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#396 of 521 • Bottom 22.4% in tier

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

Why This Signature
Efficiency Ratio: 88.60%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.41% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -8.30%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

17
Fee Income Per Member
profitability
Value: $408.82
Peer Avg: $174.31
#17 of 1077 Top 1.5% in 100M-500M tier
164
AMR Growth Rate
growth
Value: 7.90%
Peer Avg: 3.64%
#164 of 1077 Top 15.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1066
Net Worth Ratio
risk
Value: 7.34%
Peer Avg: 12.15%
#1066 of 1077 Bottom 1.1% in 100M-500M tier
1030
Member Growth Rate
growth
Value: -8.30%
Peer Avg: 0.72%
#1030 of 1077 Bottom 4.5% in 100M-500M tier
943
Efficiency Ratio
profitability
Value: 88.60%
Peer Avg: 77.28%
#943 of 1077 Bottom 12.5% in 100M-500M tier
894
Return on Assets (ROA)
profitability
Value: 0.27%
Peer Avg: 0.79%
#894 of 1077 Bottom 17.1% in 100M-500M tier
865
Loan Growth Rate
growth
Value: -3.08%
Peer Avg: 3.45%
#865 of 1077 Bottom 19.8% in 100M-500M tier
843
Deposit Growth Rate
growth
Value: 0.45%
Peer Avg: 4.69%
#843 of 1077 Bottom 21.8% in 100M-500M tier