EDIFI
Charter #12679 · Rancocas, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,426 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.14% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.05% sits at the 16th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.73% sits at the 82nd percentile of structural peers — worth a closer look.
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 | EDIFI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $258.68M | 65th pct | 59th pct |
| Members | 25,426 | 89th pct | 89th pct |
| Net worth ratio | 9.14% | 16th pct | 23th pct |
| Return on average assets | 0.05% | 9th pct | 16th pct |
| Net interest margin | 3.61% | 47th pct | 49th pct |
| Cost of funds | 0.88% | 32th pct | 36th pct |
| Loan-to-share | 53.42% | 16th pct | 21th pct |
| Delinquency 60+ days | 0.51% | 42th pct | 46th pct |
| Net charge-off ratio | 0.45% | 58th pct | 56th pct |
| Loan growth YoY | -1.28% | 32th pct | 33th pct |
| Share growth YoY | 3.15% | 45th pct | 52th pct |
| Efficiency ratio | 93.73% | 92th pct | 82th pct |
structural peer set hash: 589ebbf20000e0ab96b9505d5dbf9d23… (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.