Elga
Grand Blanc, MI · Charter 61797 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
$2.5BAssets
$1.6BLoans
$2.0BShares
$444.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 97% of credit unions $1B-$10B in assets (rank 13 of 435).
- Widest gap: nonperforming loans / loans trails 86% of credit unions $1B-$10B in assets (rank 377 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.98%
Rank 147 of 435
Net Interest Margin
3.44%
Rank 202 of 435
Efficiency Ratio
71.09%
Rank 208 of 435
Equity / Assets
17.80%
Rank 13 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.55% | 0.81% | 1.14% | Beats 66% | 147 / 435 | | |
| Return on Equity | 5.51% | 5.12% | 7.41% | 9.70% | Beats 30% | 305 / 435 | | |
| Net Interest Margin | 3.44% | 3.01% | 3.39% | 3.75% | Beats 54% | 202 / 435 | | |
| Efficiency Ratio | 71.09% | 65.25% | 71.39% | 77.86% | Beats 52% | 208 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.38% | 0.45% | 0.69% | 1.05% | Beats 14% | 377 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.80% | 9.81% | 10.84% | 12.63% | Beats 97% | 13 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.80% | 9.81% | 10.84% | 12.63% | Beats 97% | 13 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.37% | 78.33% | 88.38% | 95.61% | 28th pctl | 315 / 435 | | |
| Loans / Assets | 64.71% | 67.69% | 74.58% | 80.80% | 19th pctl | 353 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |