Educational Employees Credit Union
Total assets
$5.38B
▲ +9.0% YoY
Shares & deposits
$4.62B
▲ +7.1% YoY
Loans
$2.27B
▲ +2.4% YoY
Members
400,720
▲ +3.5% YoY
ROA (annualized)
1.77%
peers 0.71%
ROE (annualized)
12.55%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +5.1% | +3.9 pts |
| Share growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Loan growth (YoY) | +2.4% | +5.4% | -3.0 pts |
| ROA | 1.77% | 0.71% | +1.1 pts |
| ROE | 12.5% | 6.3% | +6.3 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 5242, Fresno, CA, 93755
- NCUA charter #
- 60520
- RSSD ID
- 504898
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.38B | $4.62B | $2.27B | $756.8M | $23.7M | 1.77% | 3.03% | 0.20% | 400,720 |
| Q4 2025 | $5.26B | $4.51B | $2.28B | $733.0M | $87.3M | 1.66% | 2.87% | 0.23% | 396,527 |
| Q3 2025 | $5.11B | $4.40B | $2.27B | $715.4M | $65.8M | 1.72% | 2.87% | 0.22% | 392,631 |
| Q2 2025 | $4.99B | $4.34B | $2.23B | $694.1M | $44.5M | 1.78% | 2.88% | 0.26% | 387,215 |
| Q1 2025 | $4.93B | $4.31B | $2.22B | $671.2M | $21.6M | 1.75% | 2.75% | 0.20% | 387,029 |
| Q4 2024 | $4.71B | $4.13B | $2.21B | $649.6M | $62.9M | 1.33% | 2.64% | 0.23% | 382,323 |
| Q3 2024 | $4.69B | $4.11B | $2.17B | $637.0M | $46.3M | 1.32% | 2.57% | 0.21% | 377,842 |
| Q2 2024 | $4.67B | $4.16B | $2.12B | $621.3M | $30.6M | 1.31% | 2.51% | 0.18% | 371,507 |
Loan mix (Q1 2026): real estate $800.9M · commercial $0 · consumer $1.42B · securities $2.34B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 0.71% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 6.3% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.32% | 31th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 73.0% | 4th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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