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
- RANK 68/100
- PHOTO 7.3%
- BOOK 0.33%
- CHARTER 0.01%
- NCUSIF $176.3M
- CAMELS 10,096
- HEALTH #3,732/4,374
- NW TRAILNORTH
- DELQ 854
Call Report peers
ELLAFI in the assets neighbourhood
ELLAFI's $176.3M assets sit next to TRAILNORTH ($176.4M) 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.
ELLAFI 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
68 15th percentile higher than 15% 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
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: 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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ELLAFI's 5300 filing moved
ELLAFI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $176.3M (2025Q4) to $177.8M (2026Q1).
- Net-worth ratio shifted +0.04 pp (7.26% → 7.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for ELLAFI - kept outside Connecticut; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($176.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 ELLAFI financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ELLAFI carries a financial health score of 68/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,732 of 4,374; by total assets it ranks #1,372 of 4,374 nationally (same basis as /rankings/largest); and #14 of 64 within Connecticut. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.30% net worth ratio and a 0.33% delinquency rate.
How does ELLAFI compare to other credit unions?
68/100 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 7.30% exceeds 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.
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.