Elements Financial
Indianapolis, IN · Charter 22468 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
$2.5BAssets
$1.7BLoans
$2.0BShares
$298.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 89% of credit unions $1B-$10B in assets (rank 48 of 435).
- Widest gap: net interest margin trails 86% of credit unions $1B-$10B in assets (rank 374 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.40%
Rank 53 of 435
Net Interest Margin
2.76%
Rank 374 of 435
Efficiency Ratio
59.23%
Rank 48 of 435
Equity / Assets
11.92%
Rank 144 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.55% | 0.81% | 1.14% | Beats 88% | 53 / 435 | |
| Return on Equity | 11.77% | 5.12% | 7.41% | 9.70% | Beats 88% | 51 / 435 | |
| Net Interest Margin | 2.76% | 3.01% | 3.39% | 3.75% | Beats 14% | 374 / 435 | |
| Efficiency Ratio | 59.23% | 65.25% | 71.39% | 77.86% | Beats 89% | 48 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.69% | 1.05% | Beats 74% | 114 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.92% | 9.81% | 10.84% | 12.63% | Beats 67% | 144 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.92% | 9.81% | 10.84% | 12.63% | Beats 67% | 144 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 85.34% | 78.33% | 88.38% | 95.61% | 43rd pctl | 250 / 435 | |
| Loans / Assets | 67.64% | 67.69% | 74.58% | 80.80% | 24th pctl | 329 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |