EDUCATIONAL AND GOVERNMENTAL
Charter #2346 · Hartsdale, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,178 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.36% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 4.15% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.29% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.34% sits at the 85th 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 | EDUCATIONAL AND GOVERNMENTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $56.40M | 17th pct | 39th pct |
| Members | 6,178 | 68th pct | 89th pct |
| Net worth ratio | 11.09% | 32th pct | 38th pct |
| Return on average assets | 0.36% | 32th pct | 18th pct |
| Net interest margin | 4.15% | 75th pct | 93th pct |
| Cost of funds | 0.29% | 13th pct | 20th pct |
| Loan-to-share | 31.80% | 6th pct | 16th pct |
| Delinquency 60+ days | 1.34% | 82th pct | 85th pct |
| Net charge-off ratio | 0.64% | 78th pct | 85th pct |
| Loan growth YoY | -3.86% | 28th pct | 36th pct |
| Share growth YoY | -0.79% | 11th pct | 11th pct |
| Efficiency ratio | 90.07% | 80th pct | 84th pct |
structural peer set hash: 7b8738a1de9cacfe07c0b32e8fdc3f03… (reproducible)
Closest structural peers
This is the free public view
Claim EDUCATIONAL AND GOVERNMENTAL
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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.