Federal credit union · Chicago, Illinois · NCUA charter #24866
ELCA
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $25.6M
- Total assets
- 2,374
- Members
- 9.2%
- Net-worth ratio
ELCA scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.6M; members 2,374; net-worth ratio 9.19%; health rank #1,519 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,519 of 4,374 health · 2025Q4ELCA · health 88/100 · $25.6M · 2025Q4
- PHOTO 88/100
- BOOK 9.2%
- CHARTER 0.14%
- NCUSIF 0.23%
- CAMELS $25.6M
- HEALTH 2,374
- NW #1,519/4,374
- DELQ First Point
- ROA 24866
Call Report peers
ELCA in the assets neighbourhood
ELCA's $25.6M assets sit next to First Point ($25.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ELCA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ELCA - Share Insurance Coverage
Charter #24866's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for ELCA
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.01 pp (0.14% vs 1.15%).
- Widest shortfall vs peers is Net Worth Ratio: -5.67 pp (9.19% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ELCA sits in Illinois
- In Illinois, health place is #57 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, ELCA is #93 of 192 in Illinois.
- Illinois membership ordinal: #94 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ELCA: 2025Q4 → 2026Q1
ELCA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +38.9% from $25.6M (2025Q4) to $35.5M (2026Q1).
- Net-worth ratio shifted -3.49 pp (12.68% → 9.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.9 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 12.1 pts
ELCA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.19% | -5.67 pp |
| Delinquency Rate | 0.14% | -1.01 pp |
| Return on Assets | 0.23% | -0.48 pp |
| Member Growth | 2.50% | - |
| Loan-to-Share Ratio | 55.20% | -4.60 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
ELCA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.5M | - |
| 2025Q4 | $25.6M | 2,374 |
| 2024Q4 | $27.9M | 2,316 |
| 2023Q4 | $24.4M | 2,277 |
Credit Union Details
- Charter Number
- 24866
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Location
ELCA operates a single office in Chicago, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ELCA FCU Main Office (Main Office) | Chicago, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
ELCA nationwide neighbourhoods
Cross-state asset and health neighbours for ELCA - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- ELCA ranks #1,519 of 4,374 nationally on financial health and #57 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Aurora Policemen is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Aurora Policemen
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ELCA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ELCA carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,519 of 4,374; by total assets it ranks #2,978 of 4,374 nationally (same basis as /rankings/largest); and #93 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.19% net worth ratio and a 0.14% delinquency rate.
How does ELCA compare to other credit unions?
Five weighted metrics from NCUA filings produce ELCA's 88/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ELCA?
ELCA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ELCA directly for the exact boundaries and application steps.
Is my money safe at ELCA?
Federal credit unions like ELCA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ELCA's net worth ratio of 9.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ELCA offer compared to banks?
Credit unions like ELCA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ELCA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.