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.
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NCUA 5300 Call Report Masthead
#1,519 of 4,374 health · 2025Q4ELCA · health 88/100 · $25.6M · 2025Q4
Call Report peers
ELCA in the assets neighbourhood
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ELCA vs every NCUA-scored credit union
ELCA sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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%).
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.
- One place up in Illinois, Credit Union 1 (#56) ties at 88/100; one place down, Evergreen Park Schools (#58) scores 87/100, 1 point lower.
ELCA: 2025Q4 → 2026Q1
ELCA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +38.9% from $25.6M (2025Q4) to $35.5M (2026Q1).
- Net-worth ratio shifted -3.49 pp (12.68% → 9.19%).
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
ELCA gives up 12 points in total. Return on Assets costs the most, 4.1 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ELCA financially healthy?
ELCA has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,519 of 4,374 nationally on health and #57 of 192 in Illinois. Its net worth ratio is 9.19% and its delinquency rate 0.14%.
How does ELCA compare to other credit unions?
ELCA scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.14% vs 1.15%). Its widest shortfall is net worth ratio (9.19% vs 14.86%).
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?
ELCA is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.