Educational

MIAMI, FL · 1 · Charter #176 · www.edfed.org
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
$1.8B
41th percentile
Members
117,120
49th percentile
Total loans
$1.1B
33th percentile
Total shares
$1.5B
41th percentile

Profitability

Return on assets
1.11%
58th percentile
Net interest margin
3.27%
55th percentile
Efficiency ratio
62.02%
12th percentile
Non-interest income ratio
20.54%
65th percentile

Capital & Risk

Net worth ratio
15.71%
95th percentile
Delinquency rate
0.74%
49th percentile
Net charge-off rate
0.37%
65th percentile
Loan-to-share
73.87%
18th percentile

Growth

Member growth YoY
8.63%
93th percentile
Asset growth YoY
4.85%
42th percentile
Loan growth YoY
15.16%
91th percentile
Share growth YoY
3.80%
31th percentile

Operations

Members / branch
13,013
88th percentile
Assets / member
$14,999
23th percentile
Field of membership penetration
17.96%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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