Edifi

Rancocas, NJ · 1 · Charter #12679 · www.edificu.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
$253.7M
1th percentile
Members
25,621
43th percentile
Total loans
$132.5M
2th percentile
Total shares
$240.4M
10th percentile

Profitability

Return on assets
0.91%
44th percentile
Net interest margin
3.44%
49th percentile
Efficiency ratio
73.31%
5th percentile
Non-interest income ratio
34.81%
97th percentile

Capital & Risk

Net worth ratio
9.31%
22th percentile
Delinquency rate
0.35%
84th percentile
Net charge-off rate
0.51%
38th percentile
Loan-to-share
55.14%
7th percentile

Growth

Member growth YoY
-3.68%
14th percentile
Asset growth YoY
2.45%
29th percentile
Loan growth YoY
2.45%
41th percentile
Share growth YoY
4.04%
44th percentile

Operations

Members / branch
3,660
30th percentile
Assets / member
$9,901
4th percentile
Field of membership penetration
2.33%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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