Eastern Operating Engineers

WHITESTONE, NY · 1 · Charter #21630 · www.eoefcu.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
$92.3M
40th percentile
Members
2,283
2th percentile
Total loans
$63.8M
54th percentile
Total shares
$79.2M
42th percentile

Profitability

Return on assets
0.66%
26th percentile
Net interest margin
3.72%
53th percentile
Efficiency ratio
73.23%
18th percentile
Non-interest income ratio
10.18%
16th percentile

Capital & Risk

Net worth ratio
9.05%
12th percentile
Delinquency rate
0.41%
72th percentile
Net charge-off rate
0.21%
64th percentile
Loan-to-share
80.47%
72th percentile

Growth

Member growth YoY
1.20%
72th percentile
Asset growth YoY
0.70%
24th percentile
Loan growth YoY
-4.21%
21th percentile
Share growth YoY
-0.18%
22th percentile

Operations

Members / branch
1,142
3th percentile
Assets / member
$40,425
99th percentile
Field of membership penetration
7.71%
54th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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