EDUCATIONAL SYSTEMS
Charter #10696 · Greenbelt, MD · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.11% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.34% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 1.29% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.43% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.33% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
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 | EDUCATIONAL SYSTEMS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.36B | 23th pct | 38th pct |
| Members | 84,377 | 31th pct | 38th pct |
| Net worth ratio | 10.98% | 55th pct | 62th pct |
| Return on average assets | 1.11% | 78th pct | 75th pct |
| Net interest margin | 3.34% | 48th pct | 16th pct |
| Cost of funds | 1.29% | 29th pct | 25th pct |
| Loan-to-share | 89.36% | 58th pct | 56th pct |
| Delinquency 60+ days | 0.43% | 31th pct | 25th pct |
| Net charge-off ratio | 0.33% | 26th pct | 7th pct |
| Loan growth YoY | 10.08% | 96th pct | 97th pct |
| Share growth YoY | 4.03% | 49th pct | 34th pct |
| Efficiency ratio | 77.12% | 67th pct | 66th pct |
structural peer set hash: fee20a56bbfdaff47cd2de3f750ad80a… (reproducible)
Closest structural peers
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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.