Educators

Racine, WI · 2 · Charter #66448 · www.ecu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.7B
74th percentile
Members
231,831
79th percentile
Total loans
$2.5B
71th percentile
Total shares
$3.2B
76th percentile

Profitability

Return on assets
1.18%
63th percentile
Net interest margin
3.22%
50th percentile
Efficiency ratio
46.56%
70th percentile
Non-interest income ratio
24.15%
83th percentile

Capital & Risk

Net worth ratio
14.06%
89th percentile
Delinquency rate
0.92%
34th percentile
Net charge-off rate
0.45%
56th percentile
Loan-to-share
77.85%
25th percentile

Growth

Member growth YoY
-0.27%
23th percentile
Asset growth YoY
10.54%
83th percentile
Loan growth YoY
6.86%
60th percentile
Share growth YoY
9.05%
76th percentile

Operations

Members / branch
9,273
67th percentile
Assets / member
$16,164
32th percentile
Field of membership penetration
5.40%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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