EDUCATION 1ST
Charter #67127 · Ogden, UT · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,590 sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 0.78% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.92% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.24% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 71.93% ranks in the 13th 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 | EDUCATION 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $61.72M | 28th pct | 30th pct |
| Members | 2,590 | 6th pct | 8th pct |
| Net worth ratio | 9.84% | 19th pct | 39th pct |
| Return on average assets | 0.78% | 55th pct | 77th pct |
| Net interest margin | 2.92% | 14th pct | 10th pct |
| Cost of funds | 1.42% | 76th pct | 54th pct |
| Loan-to-share | 93.93% | 97th pct | 89th pct |
| Delinquency 60+ days | 0.24% | 24th pct | 15th pct |
| Net charge-off ratio | 0.24% | 49th pct | 41th pct |
| Loan growth YoY | -4.51% | 22th pct | 7th pct |
| Share growth YoY | 2.62% | 47th pct | 49th pct |
| Efficiency ratio | 71.93% | 30th pct | 13th pct |
structural peer set hash: 12cb67ea03653a5a0cda91a955959891… (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.