TellerScore

Ellafi Federal Credit Union (NCUA charter #854) is based in Middletown, Connecticut. Its Q2 2026 call report shows $178.1M in total assets and $160.9M in member shares and deposits and 2 offices.

Ellafi Federal Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 1,341 credit unions with $100 million – $1 billion. Among 64 credit unions headquartered in Connecticut, it ranks 52nd. Problem-loan coverage contributes the most (94/100, 2.9%); capital cushion contributes the least (23/100, 7.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion23/100
Net worth ratio: 7.29%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings24/100
Return on assets (annualized): 0.11%
Funding & liquidity91/100
Loans ÷ shares: 69.7% · 2.6% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.90%

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 11 points (68 → 57), mostly because the earnings component weakened by 50 points.

TellerScore
516374Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202451
Q4 202455
Q1 202574
Q2 202568
Q3 202557
Q4 202558
Q1 202656
Q2 202657
Net worth ratio
7.00%7.46%7.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.13%
Q3 20247.26%
Q4 20247.34%
Q1 20257.93%
Q2 20257.88%
Q3 20257.34%
Q4 20257.26%
Q1 20267.30%
Q2 20267.29%
Delinquent loans (60+ days)
0.30%0.47%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.58%
Q3 20240.65%
Q4 20240.45%
Q1 20250.30%
Q2 20250.36%
Q3 20250.42%
Q4 20250.33%
Q1 20260.47%
Q2 20260.33%
Return on assets
-0.21%1.26%2.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.21%
Q3 2024-0.14%
Q4 20240.01%
Q1 20252.73%
Q2 20251.34%
Q3 20250.27%
Q4 20250.20%
Q1 20260.15%
Q2 20260.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$178.1M7.29%0.33%0.11%69.7%
Q1 202656$177.8M7.30%0.47%0.15%69.7%
Q4 202558$176.3M7.26%0.33%0.20%70.5%
Q3 202557$174.3M7.34%0.42%0.27%72.3%
Q2 202568$175.4M7.88%0.36%1.34%71.5%
Q1 202574$178.5M7.93%0.30%2.73%70.6%
Q4 202455$169.8M7.34%0.45%0.01%72.2%
Q3 202451$169.0M7.26%0.65%-0.14%74.9%
Q2 202451$172.4M7.13%0.58%-0.21%75.3%

1,341 peers · $100 million – $1 billion

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 ratio7.29%
1st
Problem loans0.33%
79th
Net charge-offs0.41%
44th
Return on assets0.11%
7th
Loans to deposits69.7%
62nd
Uninsured deposits2.6%
87th
Loan-loss reserves0.00%
50th
Texas ratio2.9%
63rd

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Achieve Financial Credit UnionCredit union Berlin, CT37 out of 100, Low$176.0M8.4%2.30%vs
Fd Community Federal Credit UnionCredit union Waterbury, CT68 out of 100, Moderate$162.7M11.1%0.89%vs
Hartford Federal Credit UnionCredit union Hartford, CT73 out of 100, Strong$159.6M13.0%1.34%vs
United Business & Industry Federal Credit UnionCredit union Plainville, CT77 out of 100, Strong$141.4M11.6%0.09%vs
Finex Credit UnionCredit union East Hartford, CT61 out of 100, Moderate$134.0M8.9%0.73%vs
Sound Federal Credit UnionCredit union Norwalk, CT53 out of 100, Below average$115.5M7.6%1.43%vs

Deposit insurance

Is my money safe at Ellafi Federal Credit Union?

Yes. Ellafi Federal Credit Union is a federally insured credit union (NCUA charter #854). 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 2.6% of shares and deposits ($4.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.29%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Ellafi Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ellafi Federal Credit Union
Type
Federal credit union
NCUA charter #
854
RSSD ID
858274
Primary regulator
NCUA
Established
1935
Headquarters
524 South Main Street, Middletown, CT 06457
Employees
42

Quick answers

Ellafi Federal Credit Union: common questions

Is Ellafi Federal Credit Union NCUA insured?

Yes. Ellafi Federal Credit Union is a federally insured credit union (NCUA charter #854). 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 Ellafi Federal Credit Union's TellerScore?

57 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.

How many branches does Ellafi Federal Credit Union have?

2 offices as of the latest NCUA data.