Financial Educators

Daytona Beach, FL · 1 · Charter #19605 · www.financialedufcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$21.6M
65th percentile
Members
1,421
50th percentile
Total loans
$12.1M
71th percentile
Total shares
$17.9M
64th percentile

Profitability

Return on assets
1.03%
61th percentile
Net interest margin
3.72%
40th percentile
Efficiency ratio
63.52%
57th percentile
Non-interest income ratio
12.07%
60th percentile

Capital & Risk

Net worth ratio
16.62%
59th percentile
Delinquency rate
0.47%
59th percentile
Net charge-off rate
0.30%
44th percentile
Loan-to-share
67.72%
60th percentile

Growth

Member growth YoY
1.28%
79th percentile
Asset growth YoY
-2.43%
28th percentile
Loan growth YoY
-5.45%
39th percentile
Share growth YoY
-4.49%
23th percentile

Operations

Members / branch
711
34th percentile
Assets / member
$15,216
86th percentile
Field of membership penetration
1.89%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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