BlastPoint's Credit Union Scorecard

ELLAFI

Charter #854 · CT

1077 CUs in 100M-500M nationally 16 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 43.5% 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	40%
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	40%
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	44%
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	44%

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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	0.3% -295.9% YoY-79.5% QoQ	-0.5%	0.8% +15.5% YoY	0.4% -140.5% YoY	0.7% +273.4% YoY	17%
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	52%
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	30%
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	45%
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	53%
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	50%
Indirect Auto %	13.6% -35.4% YoY-11.8% QoQ	-0.4%	14.0% -5.7% YoY	5.3% -6.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#210 of 481 • Top 43.5% in tier

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

Why This Signature

AMR Growth (YoY): 7.90%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 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: $331.87M, 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: 3.65%, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -8.30%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.08%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.85%, National: 1.23%)

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

Fee Income Per Member

profitability

Value: $408.82

Peer Avg: -

#17 of 1077 Top 1.5% in 100M-500M tier

164

AMR Growth Rate

growth

Value: 7.90%

Peer Avg: -

#164 of 1077 Top 15.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1066

Net Worth Ratio

risk

Value: 7.34%

Peer Avg: -

#1066 of 1077 Bottom 1.1% in 100M-500M tier

1030

Member Growth Rate

growth

Value: -8.30%

Peer Avg: -

#1030 of 1077 Bottom 4.5% in 100M-500M tier

943

Efficiency Ratio

profitability

Value: 88.60%

Peer Avg: -

#943 of 1077 Bottom 12.5% in 100M-500M tier

894

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Avg: -

#894 of 1077 Bottom 17.1% in 100M-500M tier

865

Loan Growth Rate

growth

Value: -3.08%

Peer Avg: -

#865 of 1077 Bottom 19.8% in 100M-500M tier

843

Deposit Growth Rate

growth

Value: 0.45%

Peer Avg: -

#843 of 1077 Bottom 21.8% in 100M-500M tier