EDUCATIONAL EMPLOYEES
Charter #60520 · FRESNO, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 400,720 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.07% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.79% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.07% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.20% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
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 EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.38B | 84th pct | 90th pct |
| Members | 400,720 | 90th pct | 93th pct |
| Net worth ratio | 14.07% | 90th pct | 80th pct |
| Return on average assets | 1.79% | 97th pct | 93th pct |
| Net interest margin | 3.07% | 33th pct | 25th pct |
| Cost of funds | 1.16% | 25th pct | 28th pct |
| Loan-to-share | 49.16% | 3th pct | 13th pct |
| Delinquency 60+ days | 0.20% | 8th pct | 10th pct |
| Net charge-off ratio | 0.48% | 46th pct | 33th pct |
| Loan growth YoY | 0.07% | 28th pct | 39th pct |
| Share growth YoY | 4.80% | 62th pct | 69th pct |
| Efficiency ratio | 54.25% | 5th pct | 2th pct |
structural peer set hash: 64eccb80d88de3cebe4adfcc710f4b53… (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.