Educators

WACO, TX · 2 · Charter #67611 · www.EDCU.COM
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
$593.2M
68th percentile
Members
27,492
48th percentile
Total loans
$147.0M
4th percentile
Total shares
$475.6M
63th percentile

Profitability

Return on assets
2.03%
96th percentile
Net interest margin
2.93%
21th percentile
Efficiency ratio
27.99%
99th percentile
Non-interest income ratio
8.07%
5th percentile

Capital & Risk

Net worth ratio
19.70%
99th percentile
Delinquency rate
0.17%
94th percentile
Net charge-off rate
0.06%
94th percentile
Loan-to-share
30.91%
1th percentile

Growth

Member growth YoY
-1.08%
32th percentile
Asset growth YoY
7.98%
73th percentile
Loan growth YoY
-3.35%
12th percentile
Share growth YoY
7.22%
73th percentile

Operations

Members / branch
3,437
24th percentile
Assets / member
$21,576
82th percentile
Field of membership penetration
5.50%
58th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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