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
- CHARTER 52/100
- NCUSIF 22.9%
- CAMELS 6.57%
- HEALTH 0.24%
- NW $31.7M
- DELQ 5,801
- ROA #4,237/4,374
- ASSETS Alexandria Municipal Employees
- MEM 4127
Call Report peers
ELEKTRA in the assets neighbourhood
ELEKTRA's $31.7M assets sit next to Alexandria Municipal Employees ($31.7M) 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.
ELEKTRA 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
52 3rd percentile higher than 3% 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
ELEKTRA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #4127, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ELEKTRA
ELEKTRA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $31.7M (2025Q4) to $31.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (22.81% → 22.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 52.
- 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 |
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).
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
ELEKTRA's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (52/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 ELEKTRA financially healthy?
ELEKTRA has a financial health score of 52/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,237 of 4,374; by total assets it ranks #2,809 of 4,374 nationally (same basis as /rankings/largest); and #161 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 22.89% and delinquency rate of 6.57%.
How does ELEKTRA compare to other credit unions?
On PlainCU's health composite, ELEKTRA lands at 52/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like ELEKTRA 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. ELEKTRA's net worth ratio of 22.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ELEKTRA offer compared to banks?
Credit unions like ELEKTRA 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 ELEKTRA 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.