EDUCATORS
Charter #66448 · Racine, WI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.94% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.65% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.53% ranks in the 18th 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 | EDUCATORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.89B | 73th pct | 61th pct |
| Members | 232,112 | 76th pct | 69th pct |
| Net worth ratio | 13.94% | 89th pct | 93th pct |
| Return on average assets | 1.65% | 95th pct | 92th pct |
| Net interest margin | 3.31% | 48th pct | 43th pct |
| Cost of funds | 1.96% | 59th pct | 62th pct |
| Loan-to-share | 75.72% | 23th pct | 28th pct |
| Delinquency 60+ days | 0.66% | 53th pct | 43th pct |
| Net charge-off ratio | 0.45% | 41th pct | 39th pct |
| Loan growth YoY | 1.13% | 41th pct | 42th pct |
| Share growth YoY | 4.80% | 61th pct | 62th pct |
| Efficiency ratio | 63.53% | 20th pct | 18th pct |
structural peer set hash: 0da75449cdddcdb68e3a896908038446… (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.