Edwards

Edwards, CA · 1 · Charter #14830 · www.edwardsfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$276.4M
9th percentile
Members
13,073
5th percentile
Total loans
$151.9M
5th percentile
Total shares
$253.1M
14th percentile

Profitability

Return on assets
0.20%
9th percentile
Net interest margin
3.37%
43th percentile
Efficiency ratio
77.26%
3th percentile
Non-interest income ratio
18.54%
47th percentile

Capital & Risk

Net worth ratio
8.87%
15th percentile
Delinquency rate
0.71%
51th percentile
Net charge-off rate
0.41%
51th percentile
Loan-to-share
60.01%
12th percentile

Growth

Member growth YoY
4.42%
86th percentile
Asset growth YoY
6.62%
63th percentile
Loan growth YoY
21.59%
97th percentile
Share growth YoY
5.55%
59th percentile

Operations

Members / branch
6,537
78th percentile
Assets / member
$21,139
81th percentile
Field of membership penetration
2.71%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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