Education First Credit Union, Inc.

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

$146.7M

71^th percentile

Members

12,154

80^th percentile

Total loans

$102.7M

77^th percentile

Total shares

$125.3M

71^th percentile

Profitability

Return on assets

0.80%

35^th percentile

Net interest margin

4.21%

80^th percentile

Efficiency ratio

68.52%

31^th percentile

Non-interest income ratio

22.30%

74^th percentile

Capital & Risk

Net worth ratio

9.34%

15^th percentile

Delinquency rate

1.43%

18^th percentile

Net charge-off rate

0.68%

20^th percentile

Loan-to-share

81.97%

75^th percentile

Growth

Member growth YoY

-0.18%

55^th percentile

Asset growth YoY

1.34%

29^th percentile

Loan growth YoY

2.51%

57^th percentile

Share growth YoY

4.37%

59^th percentile

Operations

Members / branch

6,077

90^th percentile

Assets / member

$12,072

29^th percentile

Field of membership penetration

1.10%

17^th percentile

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