TellerScore

Headquartered in Chicago, Illinois, Elca Federal Credit Union is a federal credit union with $30.1M in total assets and $26.6M in member shares and deposits as of Q2 2026. Its charter dates back to 2015.

Based on its Q2 2026 filing, Elca Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 132nd. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is earnings (32/100; 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.92%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity61/100
Loans ÷ shares: 45.4% · 50.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.66%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (74 → 67), mostly because the capital cushion component weakened by 20 points.

TellerScore
536678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202478
Q4 202467
Q1 202575
Q2 202574
Q3 202553
Q4 202571
Q1 202661
Q2 202667
Net worth ratio
7.00%10.51%14.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.27%
Q3 202413.69%
Q4 202411.61%
Q1 202514.03%
Q2 202512.86%
Q3 202512.60%
Q4 202512.68%
Q1 20269.19%
Q2 202610.92%
Delinquent loans (60+ days)
0.03%1.00%1.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.08%
Q4 20240.27%
Q1 20250.54%
Q2 20250.03%
Q3 20251.97%
Q4 20250.14%
Q1 20260.06%
Q2 20260.18%
Return on assets
-0.05%0.16%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.36%
Q4 20240.21%
Q1 20250.33%
Q2 20250.12%
Q3 2025-0.05%
Q4 20250.01%
Q1 20260.26%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$30.1M10.92%0.18%0.30%45.4%
Q1 202661$35.5M9.19%0.06%0.26%36.0%
Q4 202571$25.6M12.68%0.14%0.01%55.2%
Q3 202553$25.6M12.60%1.97%-0.05%55.7%
Q2 202574$25.3M12.86%0.03%0.12%56.8%
Q1 202575$23.2M14.03%0.54%0.33%62.5%
Q4 202467$27.9M11.61%0.27%0.21%50.9%
Q3 202478$23.7M13.69%0.08%0.36%57.2%
Q2 202465$28.7M11.27%0.60%0.37%48.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.92%
23rd
Problem loans0.18%
75th
Net charge-offs0.19%
48th
Return on assets0.30%
31st
Loans to deposits45.4%
70th
Uninsured deposits50.0%
0th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
72nd

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
River to River Credit UnionCredit union Vienna, IL97 out of 100, Very strong$29.7M14.7%0.23%vs
Siue Credit UnionCredit union Edwardsville, IL74 out of 100, Strong$30.7M10.6%0.22%vs
Kaskaskia Valley Community Credit UnionCredit union Centralia, IL49 out of 100, Below average$29.4M7.9%1.13%vs
Community Plus Federal Credit UnionCredit union Rantoul, IL90 out of 100, Very strong$28.1M18.4%0.51%vs
Chicago Post Office Employees Credit UnionCredit union Chicago, IL63 out of 100, Moderate$27.9M22.2%2.65%vs
2 Rivers Area Credit UnionCredit union Kankakee, IL66 out of 100, Moderate$27.7M10.7%0.78%vs

Deposit insurance

Is my money safe at Elca Federal Credit Union?

Yes. Elca Federal Credit Union is a federally insured credit union (NCUA charter #24866). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 50.0% of shares and deposits ($13.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.92%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Elca Federal Credit Union
Type
Federal credit union
NCUA charter #
24866
RSSD ID
4878878
Primary regulator
NCUA
Established
2015
Headquarters
8765 W Higgins Rd, Suite 675, Chicago, IL 60631
Employees
7

Quick answers

Elca Federal Credit Union: common questions

Is Elca Federal Credit Union NCUA insured?

Yes. Elca Federal Credit Union is a federally insured credit union (NCUA charter #24866). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Elca Federal Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.