WASHINGTON EDUCATIONAL ASSOC
Charter #16256 · FRANKLINTON, LA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.17% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 19.61% sits at the 98th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 34th — a 22-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 | WASHINGTON EDUCATIONAL ASSOC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 988,065 | 16th pct | 13th pct |
| Members | 360 | 31th pct | 28th pct |
| Net worth ratio | 9.87% | 13th pct | 34th pct |
| Return on average assets | -0.03% | 31th pct | 34th pct |
| Net interest margin | 5.17% | 81th pct | 85th pct |
| Cost of funds | 0.27% | 37th pct | 39th pct |
| Loan-to-share | 53.45% | 44th pct | 46th pct |
| Delinquency 60+ days | 0.52% | 42th pct | 31th pct |
| Net charge-off ratio | 19.61% | 99th pct | 98th pct |
| Loan growth YoY | -11.19% | 23th pct | 31th pct |
| Share growth YoY | -4.30% | 20th pct | 30th pct |
| Efficiency ratio | 78.63% | 37th pct | 28th pct |
structural peer set hash: a2fcfe9ce75dc55b445334108b48d85d… (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.