FIRST EDUCATION
Charter #5465 · Cheyenne, WY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.13% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.93% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.28% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 36th — a 18-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 | FIRST EDUCATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $88.17M | 80th pct | 70th pct |
| Members | 5,576 | 58th pct | 64th pct |
| Net worth ratio | 9.94% | 20th pct | 26th pct |
| Return on average assets | 1.13% | 72th pct | 80th pct |
| Net interest margin | 3.93% | 63th pct | 80th pct |
| Cost of funds | 0.28% | 13th pct | 11th pct |
| Loan-to-share | 43.52% | 18th pct | 36th pct |
| Delinquency 60+ days | 0.29% | 28th pct | 34th pct |
| Net charge-off ratio | -0.01% | 10th pct | 13th pct |
| Loan growth YoY | -0.87% | 57th pct | 59th pct |
| Share growth YoY | 4.41% | 69th pct | 69th pct |
| Efficiency ratio | 76.22% | 40th pct | 31th pct |
structural peer set hash: b2fc2e2a37c97fbe3a363403ba5dd71a… (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.