No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $474.0M | $410.7M | $379.2M | $57.6M | $-781K | -0.66% | 3.67% | 0.66% | 41,649 |
| Q4 2025 | $476.8M | $411.5M | $381.0M | $58.4M | $3.1M | 0.66% | 4.89% | 1.12% | 41,649 |
| Q3 2025 | $476.3M | $412.0M | $379.5M | $53.9M | $218K | 0.06% | 4.35% | 0.89% | 41,439 |
| Q2 2025 | $480.1M | $401.8M | $386.1M | $53.8M | $90K | 0.04% | 4.27% | 0.92% | 40,981 |
| Q1 2025 | $479.8M | $397.6M | $382.2M | $53.9M | $-171K | -0.14% | 4.18% | 0.79% | 41,006 |
| Q4 2024 | $467.7M | $379.5M | $384.3M | $54.1M | $-1.6M | -0.34% | 4.08% | 0.93% | 40,487 |
| Q3 2024 | $471.0M | $387.2M | $383.8M | $54.4M | $-1.4M | -0.39% | 3.97% | 0.81% | 40,078 |
| Q2 2024 | $476.1M | $395.1M | $381.9M | $56.3M | $-120K | -0.05% |
| Ratio | Education Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.66% | 0.69% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -5.4% | 5.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.86% |
| 0.78% |
| 39,494 |
Loan mix (Q1 2026): real estate $174.5M · commercial $0 · consumer $186.9M · securities $25.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.1% | 78.7% | 97th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Education Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Education Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Education Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Education Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.