1st Ed Credit Union

Chambersburg, PA · 2 · Charter #65412 · www.1edcu.org
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
$138.8M
67th percentile
Members
7,046
46th percentile
Total loans
$43.6M
33th percentile
Total shares
$118.1M
67th percentile

Profitability

Return on assets
0.35%
11th percentile
Net interest margin
2.40%
4th percentile
Efficiency ratio
59.28%
61th percentile
Non-interest income ratio
9.45%
14th percentile

Capital & Risk

Net worth ratio
15.59%
79th percentile
Delinquency rate
0.00%
99th percentile
Net charge-off rate
-0.00%
98th percentile
Loan-to-share
36.92%
6th percentile

Growth

Member growth YoY
-1.65%
38th percentile
Asset growth YoY
0.41%
22th percentile
Loan growth YoY
-8.09%
9th percentile
Share growth YoY
-1.20%
16th percentile

Operations

Members / branch
2,349
31th percentile
Assets / member
$19,705
83th percentile
Field of membership penetration
17.89%
68th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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