E L C O Elberton, GA · Charter 22083 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 1 branch
Q2 2026
$5.3M Assets
$3.8M Loans
$4.2M Shares
$1.1M Net Worth
Executive Summary Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 10 of 60). Widest gap: nonperforming loans / loans trails 42% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 26 of 60). Overall: at or above the peer median on 7 of 7 directional measures. Return on Assets
1.47%
Rank 10 of 61
Net Interest Margin
4.10%
Rank 14 of 61
Efficiency Ratio
56.30%
Rank 10 of 60
Equity / Assets
20.09%
Rank 11 of 61
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 1.47% -0.02% 0.37% 0.88% Beats 84% 10 / 61 Return on Equity 7.30% -0.25% 2.65% 5.53% Beats 80% 12 / 61 Net Interest Margin 4.10% 3.07% 3.57% 4.09% Beats 77% 14 / 61 Efficiency Ratio 56.30% 71.78% 87.58% 95.00% Beats 85% 10 / 60 Asset Quality Nonperforming Loans / Loans 0.77% 0.44% 1.06% 1.85% Beats 58% 26 / 60 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 20.09% 9.78% 12.37% 17.30% Beats 82% 11 / 61 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 20.09% 9.78% 12.37% 17.30% Beats 82% 11 / 61 Liquidity & Funding Loans / Deposits 90.23% 37.27% 62.33% 76.91% 90th pctl 6 / 61 Loans / Assets 70.62% 30.13% 54.75% 64.37% 80th pctl 12 / 61 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (60 to 61 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11