State credit union · Grand Blanc, Michigan · NCUA charter #61797
ELGA
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.81B
- Total assets
- 109,016
- Members
- 17.8%
- Net-worth ratio
ELGA scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.81B; members 109,016; net-worth ratio 17.77%; health rank #1,578 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,578 of 4,374 health · 2025Q4ELGA · health 87/100 · $1.81B · 2025Q4
Call Report peers
ELGA in the assets neighbourhood
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ELGA vs every NCUA-scored credit union
ELGA sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
ELGA vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +6.59 pp (17.77% vs 11.18%).
- Largest lag: Delinquency Rate at 2.02% vs peer 0.87% (+1.15 pp).
Michigan standing for ELGA
- In Michigan, health place is #73 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #13 of 171.
- Membership ranks #14 of 171 among Michigan CUs with a reported count (109,016 members).
- One place up in Michigan, PENINSULA (#72) scores 88/100, 1 point higher; one place down, Marshall Community (#74) ties at 87/100.
How ELGA's 5300 filing moved
ELGA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +36.0% from $1.81B (2025Q4) to $2.47B (2026Q1).
- Net-worth ratio shifted -6.09 pp (23.86% → 17.77%).
This credit union's 17.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
ELGA gives up 13 points in total. Delinquency Rate costs the most, 12.6 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
ELGA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.77% | +6.59 pp |
| Delinquency Rate | 2.02% | +1.15 pp |
| Return on Assets | 1.54% | +1.03 pp |
| Member Growth | 10.38% | - |
| Loan-to-Share Ratio | 86.85% | +2.95 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
ELGA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.47B | - |
| 2025Q4 | $1.81B | 109,016 |
| 2024Q4 | $1.55B | 98,766 |
| 2023Q4 | $1.50B | 95,703 |
Credit Union Details
- Charter Number
- 61797
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Grand Blanc
- Data Quarter
- 2025Q4
Branch Locations (17)
ELGA operates 17 offices across 11 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Grand Blanc, MI |
| Straits | Bay City, MI |
| Wilder | Bay City, MI |
| Burton | Burton, MI |
| Clio | Clio, MI |
| Davison | Davison, MI |
| Fenton | Fenton, MI |
| Flint VG's | Flint, MI |
| Downtown Flint | Flint, MI |
| Flushing | Flushing, MI |
| Goodrich | Goodrich, MI |
| Grand Blanc | Grand Blanc, MI |
| Shared Branch Network | Grand Blanc, MI |
| Lapeer | Lapeer, MI |
| Vital Records | Lapeer, MI |
| Saginaw | Saginaw, MI |
| Cabaret | Saginaw, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Other-state peers near ELGA
Similar total assets
Similar health score
Using this data
- ELGA ranks #1,578 of 4,374 nationally on financial health and #73 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HONOR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HONOR
Frequently Asked Questions
Is ELGA financially healthy?
ELGA has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,578 of 4,374 nationally on health and #73 of 171 in Michigan. Its net worth ratio is 17.77% and its delinquency rate 2.02%.
How does ELGA compare to other credit unions?
ELGA scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (17.77% vs 11.18%). Its widest shortfall is delinquency rate (2.02% vs 0.87%).
How can I join ELGA?
Membership eligibility for ELGA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ELGA directly for current membership requirements and application steps.
Is my money safe at ELGA?
ELGA is a state-chartered 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. ELGA's net worth ratio of 17.77% 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.