Ellafi Middletown, CT · Charter 854 · Peer group: credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (n=18)
NCUA · 3 branches
Q2 2026
$178.1M Assets
$112.1M Loans
$160.9M Shares
$12.9M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 72% of credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (rank 6 of 18). Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Hartford-West Hartford-East Hartford, CT area (rank 18 of 18). Overall: at or above the peer median on 1 of 7 directional measures. Return on Assets
0.11%
Rank 16 of 18
Net Interest Margin
3.58%
Rank 10 of 18
Efficiency Ratio
93.45%
Rank 17 of 18
Equity / Assets
7.23%
Rank 18 of 18
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.11% 0.58% 0.88% 1.13% Beats 11% 16 / 18 Return on Equity 1.46% 4.98% 8.55% 10.26% Beats 11% 16 / 18 Net Interest Margin 3.58% 3.06% 3.69% 4.15% Beats 44% 10 / 18 Efficiency Ratio 93.45% 72.94% 75.86% 86.25% Beats 11% 17 / 18 Asset Quality Nonperforming Loans / Loans 0.33% 0.28% 0.89% 1.47% Beats 72% 6 / 18 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 7.23% 9.40% 10.43% 11.60% Beats 0% 18 / 18 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 7.23% 9.40% 10.43% 11.60% Beats 0% 18 / 18 Liquidity & Funding Loans / Deposits 69.67% 41.55% 63.87% 69.63% 78th pctl 4 / 18 Loans / Assets 62.95% 37.52% 56.45% 62.95% 72nd pctl 5 / 18 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 Hartford-West Hartford-East Hartford, CT 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. 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