EDUCATIONAL
Charter #176 · MIAMI, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.57% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 41st percentile but its structural peers at the 67th — a 27-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 | EDUCATIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.80B | 41th pct | 67th pct |
| Members | 119,576 | 49th pct | 69th pct |
| Net worth ratio | 15.57% | 94th pct | 92th pct |
| Return on average assets | 0.89% | 63th pct | 61th pct |
| Net interest margin | 3.46% | 57th pct | 54th pct |
| Cost of funds | 1.02% | 21th pct | 26th pct |
| Loan-to-share | 74.48% | 21th pct | 38th pct |
| Delinquency 60+ days | 0.44% | 32th pct | 28th pct |
| Net charge-off ratio | 0.55% | 54th pct | 59th pct |
| Loan growth YoY | 8.99% | 95th pct | 93th pct |
| Share growth YoY | 4.18% | 53th pct | 59th pct |
| Efficiency ratio | 70.77% | 43th pct | 34th pct |
structural peer set hash: 57c6d1a7718ec6cd78e401d515463fa4… (reproducible)
Closest structural peers
This is the free public view
Claim EDUCATIONAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.