Education

Amarillo, TX · 2 · Charter #67494 · www.educationcu.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
$476.8M
54th percentile
Members
41,649
76th percentile
Total loans
$381.0M
65th percentile
Total shares
$407.2M
55th percentile

Profitability

Return on assets
1.44%
79th percentile
Net interest margin
4.89%
98th percentile
Efficiency ratio
62.58%
35th percentile
Non-interest income ratio
26.31%
85th percentile

Capital & Risk

Net worth ratio
12.25%
69th percentile
Delinquency rate
1.12%
24th percentile
Net charge-off rate
1.31%
6th percentile
Loan-to-share
93.56%
82th percentile

Growth

Member growth YoY
2.87%
76th percentile
Asset growth YoY
1.94%
24th percentile
Loan growth YoY
-0.85%
21th percentile
Share growth YoY
10.05%
88th percentile

Operations

Members / branch
3,786
33th percentile
Assets / member
$11,448
8th percentile
Field of membership penetration
12.26%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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