Chicago, Illinois · Peer group 3
Elca Credit Union
Elca Credit Union holds $35.5M in assets across 2,352 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 2015. Charter number 24866, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $35.5M |
|---|---|
| Total loans | $11.5M |
| Total shares (deposits) | $32.0M |
| Net worth | $3.3M |
| Members | 2,352 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 52.9% | |
|---|---|---|
| Loans | -6.5% | around the 30th percentile of its peer group |
| Deposits | 62.3% | higher than 100% of its peer group |
| Members | 1.5% | around the 81st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 36.0% | around the 16th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.2% | around the 12th percentile of its peer group |
| Return on assets | 0.26% | around the 29th percentile of its peer group |
| Delinquency ratio | 0.06% | around the 16th percentile of its peer group |
| Cash / assets | 57.1% | higher than 100% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Elca Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Illinois — the comparison set a peer ratio is measured against.
- Service Plus Credit Union
Moline, IL
$35.4M · 1,592 members
- Canals & Trails Credit Union
Lockport, IL
$34.6M · 3,119 members
- Illinois Valley Credit Union
Peru, IL
$37.5M · 4,213 members
- Area Educational Credit Union
MATTOON, IL
$33.2M · 2,325 members
- Mwrd Employees Credit Union
CHICAGO, IL
$37.9M · 2,120 members
- Planites Credit Union
Chicago, IL
$39.4M · 3,910 members
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