Education 1st

Ogden, UT · 2 · Charter #67127 · www.E1cu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$73.9M
25th percentile
Members
2,601
3th percentile
Total loans
$55.9M
47th percentile
Total shares
$56.3M
18th percentile

Profitability

Return on assets
0.82%
36th percentile
Net interest margin
2.59%
7th percentile
Efficiency ratio
39.06%
95th percentile
Non-interest income ratio
10.45%
17th percentile

Capital & Risk

Net worth ratio
8.05%
4th percentile
Delinquency rate
0.72%
50th percentile
Net charge-off rate
0.19%
68th percentile
Loan-to-share
99.23%
95th percentile

Growth

Member growth YoY
-0.31%
54th percentile
Asset growth YoY
38.05%
99th percentile
Loan growth YoY
13.89%
93th percentile
Share growth YoY
32.77%
99th percentile

Operations

Members / branch
1,301
5th percentile
Assets / member
$28,395
96th percentile
Field of membership penetration
0.95%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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