EDUCATIONAL COMMUNITY
Charter #62589 · Springfield, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.84% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.48% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.28% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 54th — 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 | EDUCATIONAL COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $77.08M | 61th pct | 52th pct |
| Members | 7,557 | 85th pct | 70th pct |
| Net worth ratio | 9.84% | 19th pct | 20th pct |
| Return on average assets | 0.50% | 39th pct | 41th pct |
| Net interest margin | 3.92% | 62th pct | 48th pct |
| Cost of funds | 0.48% | 22th pct | 20th pct |
| Loan-to-share | 60.34% | 49th pct | 34th pct |
| Delinquency 60+ days | 1.28% | 80th pct | 82th pct |
| Net charge-off ratio | 0.52% | 72th pct | 54th pct |
| Loan growth YoY | -7.68% | 7th pct | 5th pct |
| Share growth YoY | 3.83% | 62th pct | 49th pct |
| Efficiency ratio | 81.87% | 56th pct | 61th pct |
structural peer set hash: 80828d7fae845e89c2daa7f551f277d6… (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.