Ep

Washington, DC · 1 · Charter #262 · www.epfcu.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
$71.9M
23th percentile
Members
4,156
15th percentile
Total loans
$39.2M
26th percentile
Total shares
$65.4M
28th percentile

Profitability

Return on assets
0.38%
12th percentile
Net interest margin
3.27%
29th percentile
Efficiency ratio
78.32%
9th percentile
Non-interest income ratio
22.34%
74th percentile

Capital & Risk

Net worth ratio
8.32%
6th percentile
Delinquency rate
1.36%
21th percentile
Net charge-off rate
0.32%
51th percentile
Loan-to-share
59.97%
36th percentile

Growth

Member growth YoY
-4.94%
12th percentile
Asset growth YoY
1.77%
33th percentile
Loan growth YoY
-5.61%
16th percentile
Share growth YoY
2.75%
43th percentile

Operations

Members / branch
1,385
7th percentile
Assets / member
$17,308
72th percentile
Field of membership penetration
59.37%
93th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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