| Metric | Educators Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +5.1% | +3.0 pts |
| Share growth (YoY) | +5.7% | +4.9% | +0.8 pts |
| Loan growth (YoY) | +3.9% | +5.4% | -1.6 pts |
| ROA | 1.62% | 0.71% | +0.9 pts |
| ROE | 11.6% | 6.3% | +5.4 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.89B | $3.31B | $2.51B | $542.6M | $15.8M | 1.62% | 3.25% | 0.66% | 232,112 |
| Q4 2025 | $3.75B | $3.23B | $2.51B | $526.8M | $53.6M | 1.43% | 3.22% | 0.92% | 231,831 |
| Q3 2025 | $3.67B | $3.16B | $2.48B | $515.4M | $40.4M | 1.47% | 3.22% | 0.96% | 231,991 |
| Q2 2025 | $3.63B | $3.15B | $2.45B | $501.5M | $26.5M | 1.46% | 3.21% | 1.02% | 236,158 |
| Q1 2025 | $3.60B | $3.14B | $2.42B | $488.4M | $13.4M | 1.48% | 3.17% | 0.73% | 236,737 |
| Q4 2024 | $3.39B | $2.96B | $2.35B | $459.7M | $37.2M | 1.10% | 3.01% | 0.84% | 232,467 |
| Q3 2024 | $3.40B | $2.96B | $2.31B | $454.1M | $29.8M | 1.17% | 2.93% | 0.78% | 232,481 |
| Q2 2024 | $3.37B | $2.93B | $2.28B | $444.4M | $20.1M | 1.19% | 2.89% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Educators Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.71% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 6.3% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 231,467 |
Loan mix (Q1 2026): real estate $1.64B · commercial $160.5M · consumer $619.8M · securities $903.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 73.0% | 18th |
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 | Educators 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 | Educators 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 | Educators 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 | Educators 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.