Credit Union Safety Analysis
Is Elca Federal Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Elca Federal Credit Union has a net worth ratio of 10.92%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.18%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Elca Federal Credit Union's net worth ratio is 10.92%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.92%
- Delinquency ratio (60+ days) (Q2 2026): 0.18%
- Return on assets (Q2 2026): 0.29%
- Loan-to-share ratio (Q2 2026): 45.45%
Elca Federal Credit Union (NCUA charter 24866, established 2015) reported $30.1M in assets and 2,389 members for Q2 2026 from Chicago, Illinois. It ranks 83 of 185 credit unions in Illinois by total assets. Total assets grew 18.8% from $25.3M on June 30, 2025. It has 50 more members than on June 30, 2025 (+2.1%). Its net worth ratio was down 1.94 percentage points from 12.86% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $6.1M of $12.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.18% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 9.19% for Q1 2026; 12.86% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.06% for Q1 2026; 0.03% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.26% for Q1 2026; -0.08% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 36.00% for Q1 2026; 56.85% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $6.1M
- Other unsecured loans and lines of credit: $1.7M
- Used vehicle loans: $1.2M
- Commercial loans: $1.2M
- New vehicle loans: $995K
- Unsecured credit card loans: $763K
- Other secured non-real estate loans and lines of credit: $123K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $30.1M | 10.92% | 0.18% | 0.29% | 45.45% |
| March 31, 2026 | $35.5M | 9.19% | 0.06% | 0.26% | 36.00% |
| December 31, 2025 | $25.6M | 12.68% | 0.14% | 0.20% | 55.20% |
| September 30, 2025 | $25.6M | 12.60% | 1.97% | -0.38% | 55.68% |
| June 30, 2025 | $25.3M | 12.86% | 0.03% | -0.08% | 56.85% |
| March 31, 2025 | $23.2M | 14.03% | 0.54% | 0.33% | 62.48% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Elca Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24866) · FFIEC NIC profile (RSSD 4878878)
Frequently asked questions
Is Elca Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Elca Federal Credit Union's net worth ratio is 10.92%, above the 7% NCUA threshold for well capitalized.
Is Elca Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Elca Federal Credit Union is a federally insured credit union (NCUA charter 24866): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Elca Federal Credit Union's key safety ratios?
For Q2 2026, Elca Federal Credit Union reports net worth 10.92%, delinquency 0.18%, ROA 0.29%, loan-to-share 45.45%.
What happens to my money if Elca Federal Credit Union fails?
For Q2 2026, Elca Federal Credit Union held $26.6M in shares and deposits for 2,389 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.