EDUCATION PERSONNEL
Charter #1969 · Danville, IL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.44% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 41st — a 19-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 | EDUCATION PERSONNEL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $74.77M | 56th pct | 52th pct |
| Members | 4,247 | 32th pct | 31th pct |
| Net worth ratio | 11.96% | 41th pct | 46th pct |
| Return on average assets | 0.57% | 42th pct | 33th pct |
| Net interest margin | 3.22% | 25th pct | 28th pct |
| Cost of funds | 0.44% | 21th pct | 21th pct |
| Loan-to-share | 44.88% | 22th pct | 41th pct |
| Delinquency 60+ days | 0.65% | 52th pct | 61th pct |
| Net charge-off ratio | 0.09% | 31th pct | 34th pct |
| Loan growth YoY | -2.94% | 36th pct | 36th pct |
| Share growth YoY | 5.00% | 74th pct | 80th pct |
| Efficiency ratio | 80.27% | 51th pct | 49th pct |
structural peer set hash: 61ed231be00c7afce6ea68af21284792… (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.