FINANCIAL EDUCATORS
Charter #19605 · Daytona Beach, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,415 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 16.01% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 11th — a 31-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 | FINANCIAL EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.64M | 43th pct | 11th pct |
| Members | 1,415 | 22th pct | 8th pct |
| Net worth ratio | 16.01% | 65th pct | 84th pct |
| Return on average assets | 0.56% | 44th pct | 41th pct |
| Net interest margin | 3.53% | 36th pct | 39th pct |
| Cost of funds | 1.07% | 61th pct | 49th pct |
| Loan-to-share | 64.47% | 61th pct | 52th pct |
| Delinquency 60+ days | 0.95% | 67th pct | 70th pct |
| Net charge-off ratio | 0.35% | 65th pct | 72th pct |
| Loan growth YoY | 0.92% | 76th pct | 77th pct |
| Share growth YoY | -1.24% | 17th pct | 25th pct |
| Efficiency ratio | 77.26% | 42th pct | 28th pct |
structural peer set hash: 012a0c64214e6e70bef8cd40fce4bdbd… (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.