EDUCATION
Charter #67494 · Amarillo, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 41,649 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.66% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.08% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.10% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 100.06% sits at the 95th percentile of structural peers — worth a closer look.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $474.05M | 98th pct | 67th pct |
| Members | 41,649 | 99th pct | 80th pct |
| Net worth ratio | 12.14% | 59th pct | 69th pct |
| Return on average assets | -0.66% | 2th pct | 5th pct |
| Net interest margin | 3.66% | 50th pct | 33th pct |
| Cost of funds | 0.08% | 6th pct | 5th pct |
| Loan-to-share | 92.34% | 93th pct | 89th pct |
| Delinquency 60+ days | 0.66% | 54th pct | 51th pct |
| Net charge-off ratio | 1.10% | 91th pct | 84th pct |
| Loan growth YoY | -0.07% | 47th pct | 39th pct |
| Share growth YoY | -0.33% | 8th pct | 11th pct |
| Efficiency ratio | 100.06% | 97th pct | 95th pct |
structural peer set hash: 046f56cf7d8f9b10b7b0ba389df1a09a… (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.