Federal credit union · Middletown, Connecticut · NCUA charter #854
Ellafi
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $176.3M
- Total assets
- 10,096
- Members
- 6.6%
- Net-worth ratio
Ellafi - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #854, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Ellafi - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)66
- Asset quality (delinquency)100
- Earnings (ROA)33
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.63% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.63% | 30% |
| Delinquency Rate | 0.33% | 25% |
| Return on Assets | 0.01% | 15% |
| Member Growth | -21.04% | 15% |
| Loan-to-Share Ratio | 70.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Ellafi
10,096 members and $176.3M in total assets sit behind Ellafi, a federal credit union in Middletown, Connecticut, which posts a health score of 65/100 (Good) on the five-factor composite, with $112.2M in outstanding loans as of Q4 2025 and a net worth ratio of 6.63% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #854 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.33% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 70.53% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.01% on net income of $16K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -21.04%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Ellafi financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Ellafi carries a financial health score of 65/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.63% net worth ratio and a 0.33% delinquency rate.
How does Ellafi compare to other credit unions?
65/100 is Ellafi's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Ellafi 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. Ellafi's net worth ratio of 6.63% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Ellafi offer compared to banks?
Credit unions like Ellafi 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 Ellafi directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.