Educational Community

Springfield, MO · 2 · Charter #62589 · www.educationalccu.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
$74.8M
26th percentile
Members
7,779
51th percentile
Total loans
$43.4M
32th percentile
Total shares
$66.8M
30th percentile

Profitability

Return on assets
0.97%
46th percentile
Net interest margin
4.18%
78th percentile
Efficiency ratio
74.87%
14th percentile
Non-interest income ratio
15.51%
41th percentile

Capital & Risk

Net worth ratio
9.64%
18th percentile
Delinquency rate
1.47%
18th percentile
Net charge-off rate
0.50%
33th percentile
Loan-to-share
64.90%
44th percentile

Growth

Member growth YoY
-8.57%
4th percentile
Asset growth YoY
-0.57%
17th percentile
Loan growth YoY
-10.41%
5th percentile
Share growth YoY
-1.41%
16th percentile

Operations

Members / branch
3,890
67th percentile
Assets / member
$9,622
12th percentile
Field of membership penetration
25.93%
75th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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