AREA EDUCATIONAL
Charter #62500 · MATTOON, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.41% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.92% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.67% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 56.57% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 67th — 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 | AREA EDUCATIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.16M | 68th pct | 84th pct |
| Members | 2,325 | 58th pct | 64th pct |
| Net worth ratio | 20.41% | 86th pct | 75th pct |
| Return on average assets | 1.53% | 86th pct | 67th pct |
| Net interest margin | 3.22% | 23th pct | 26th pct |
| Cost of funds | 1.92% | 88th pct | 85th pct |
| Loan-to-share | 48.11% | 33th pct | 39th pct |
| Delinquency 60+ days | 0.24% | 32th pct | 38th pct |
| Net charge-off ratio | 0.67% | 78th pct | 82th pct |
| Loan growth YoY | -4.84% | 31th pct | 34th pct |
| Share growth YoY | 6.45% | 84th pct | 79th pct |
| Efficiency ratio | 56.57% | 7th pct | 20th pct |
structural peer set hash: 129241433b312143db031e9ecf68d370… (reproducible)
Closest structural peers
This is the free public view
Claim AREA EDUCATIONAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.