CAPITAL EDUCATORS
Charter #1040 · MERIDIAN, ID · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.05% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.61% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 54th — a 30-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CAPITAL EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.40B | 24th pct | 54th pct |
| Members | 100,316 | 41th pct | 64th pct |
| Net worth ratio | 8.05% | 3th pct | 10th pct |
| Return on average assets | 0.29% | 15th pct | 26th pct |
| Net interest margin | 3.17% | 39th pct | 36th pct |
| Cost of funds | 2.61% | 88th pct | 84th pct |
| Loan-to-share | 103.36% | 95th pct | 89th pct |
| Delinquency 60+ days | 1.00% | 78th pct | 70th pct |
| Net charge-off ratio | 0.68% | 64th pct | 69th pct |
| Loan growth YoY | -9.32% | 0th pct | 0th pct |
| Share growth YoY | -7.79% | 0th pct | 0th pct |
| Efficiency ratio | 83.20% | 87th pct | 72th pct |
structural peer set hash: 6f39ecdeff7fbecaae867a42e0f9ee65… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.