Federal credit union · Middletown, Connecticut · NCUA charter #854
ELLAFI
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $176.3M
- Total assets
- 10,096
- Members
- 7.3%
- Net-worth ratio
ELLAFI scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $176.3M; members 10,096; net-worth ratio 7.30%; health rank #3,732 of 4,374; healthier than 15th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,732 of 4,374 health · 2025Q4ELLAFI · health 68/100 · $176.3M · 2025Q4
Call Report peers
ELLAFI in the assets neighbourhood
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ELLAFI vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ELLAFI sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ELLAFI: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.33% vs peer 0.89% (-0.56 pp).
- Largest lag: Net Worth Ratio at 7.30% vs peer 12.11% (-4.81 pp).
Connecticut standing for ELLAFI
- Health composite ranks #49 of 64 among scored Connecticut credit unions.
- Assets rank #14 of 64 inside Connecticut ($176.3M reported).
- Member book place in Connecticut: #19 of 64.
- One place up in Connecticut, Kief Protective Mutual Benefit Ass. (#48) ties at 68/100; one place down, Tobacco Valley Teachers (#50) scores 67/100, 1 point lower.
How ELLAFI's 5300 filing moved
ELLAFI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $176.3M (2025Q4) to $177.8M (2026Q1).
- Net-worth ratio shifted +0.04 pp (7.26% → 7.30%).
This credit union's 7.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 68/100 score is built
ELLAFI gives up 32 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 23.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.9 pts
ELLAFI vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.30% | -4.81 pp |
| Delinquency Rate | 0.33% | -0.56 pp |
| Return on Assets | 0.01% | -0.61 pp |
| Member Growth | -21.04% | - |
| Loan-to-Share Ratio | 70.53% | -1.67 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $177.8M | - |
| 2025Q4 | $176.3M | 10,096 |
| 2024Q4 | $169.8M | 12,787 |
| 2023Q4 | $174.4M | 13,415 |
Credit Union Details
- Charter Number
- 854
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Connecticut
- City
- Middletown
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, ELLAFI runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Middletown, CT |
| Meriden Branch | Meriden, CT |
| 635D | Middletown, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
ELLAFI nationwide neighbourhoods
Similar total assets
Using this data
- ELLAFI ranks #3,732 of 4,374 nationally on financial health and #49 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Achieve Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Achieve Financial
Frequently Asked Questions
Is ELLAFI financially healthy?
On its 2025Q4 NCUA 5300 filing, ELLAFI scores 68/100 (Good), with a 7.30% net worth ratio and 0.33% of loans delinquent. It ranks #3,732 of 4,374 nationally on health and #49 of 64 in Connecticut.
How does ELLAFI compare to other credit unions?
ELLAFI scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.33% vs 0.89%). Its widest shortfall is net worth ratio (7.30% vs 12.11%).
How can I join ELLAFI?
ELLAFI 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 ELLAFI directly for the exact boundaries and application steps.
Is my money safe at ELLAFI?
ELLAFI 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. ELLAFI's net worth ratio of 7.30% 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.