Educational and Governmental

Hartsdale, NY · 1 · Charter #2346 · www.egefcu.com
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
$56.2M
7th percentile
Members
5,656
31th percentile
Total loans
$16.3M
2th percentile
Total shares
$49.0M
9th percentile

Profitability

Return on assets
0.22%
7th percentile
Net interest margin
3.85%
61th percentile
Efficiency ratio
89.36%
2th percentile
Non-interest income ratio
9.89%
15th percentile

Capital & Risk

Net worth ratio
10.73%
32th percentile
Delinquency rate
3.25%
3th percentile
Net charge-off rate
0.36%
47th percentile
Loan-to-share
33.31%
5th percentile

Growth

Member growth YoY
-8.05%
5th percentile
Asset growth YoY
-2.24%
10th percentile
Loan growth YoY
-1.34%
34th percentile
Share growth YoY
-4.68%
5th percentile

Operations

Members / branch
2,828
43th percentile
Assets / member
$9,934
14th percentile
Field of membership penetration
25.71%
75th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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