Federal credit union · New York, New York · NCUA charter #4127
ELEKTRA
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $31.7M
- Total assets
- 5,801
- Members
- 22.9%
- Net-worth ratio
ELEKTRA scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.7M; members 5,801; net-worth ratio 22.89%; health rank #4,237 of 4,374; healthier than 3rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,237 of 4,374 health · 2025Q4ELEKTRA · health 52/100 · $31.7M · 2025Q4
Call Report peers
ELEKTRA in the assets neighbourhood
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ELEKTRA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ELEKTRA sits in 50-54 with 82 others.
52 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for ELEKTRA
- Net Worth Ratio leads the peer set - 22.89% here, 14.86% peer average (+8.03 pp).
- Largest lag: Loan-to-Share Ratio at 10.50% vs peer 59.80% (-49.30 pp).
Where ELEKTRA sits in New York
- Health composite ranks #261 of 272 among scored New York credit unions.
- By total assets, ELEKTRA is #161 of 272 in New York.
- Membership ranks #103 of 272 among New York CUs with a reported count (5,801 members).
- One place up in New York, Scf Westchester N. Y. Employees (#260) scores 53/100, 1 point higher; one place down, New York Times Employees (#262) scores 51/100, 1 point lower.
Quarter path for ELEKTRA
ELEKTRA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $31.7M (2025Q4) to $31.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (22.81% → 22.89%).
22.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 52/100 score is built
ELEKTRA gives up 48 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 11.0 pts
- Member Growth 3.6 pts
- Loan-to-Share Ratio 7.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.89% | +8.03 pp |
| Delinquency Rate | 6.57% | +5.43 pp |
| Return on Assets | 0.24% | -0.47 pp |
| Member Growth | -3.01% | - |
| Loan-to-Share Ratio | 10.50% | -49.30 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
ELEKTRA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.8M | - |
| 2025Q4 | $31.7M | 5,801 |
| 2024Q4 | $32.8M | 5,981 |
| 2023Q4 | $37.0M | 6,205 |
Credit Union Details
- Charter Number
- 4127
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
Branch Location
ELEKTRA operates a single office in New York, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Elektra Federal CU (Main Office) | New York, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near ELEKTRA
Similar total assets
Similar health score
Using this data
- ELEKTRA ranks #4,237 of 4,374 nationally on financial health and #261 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Erie County Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Erie County Employees
Frequently Asked Questions
Is ELEKTRA financially healthy?
ELEKTRA has a financial health score of 52/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,237 of 4,374 nationally on health and #261 of 272 in New York. Its net worth ratio is 22.89% and its delinquency rate 6.57%.
How does ELEKTRA compare to other credit unions?
ELEKTRA scores 52/100, higher than 3% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (22.89% vs 14.86%). Its widest shortfall is loan-to-share ratio (10.50% vs 59.80%).
How can I join ELEKTRA?
ELEKTRA 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 ELEKTRA directly for the exact boundaries and application steps.
Is my money safe at ELEKTRA?
ELEKTRA 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. ELEKTRA's net worth ratio of 22.89% 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.