EDUCATION FIRST CREDIT UNION, INC.
Charter #68447 · Columbus, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.49% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.29% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.97% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.13% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 74.63% ranks in the 8th 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 FIRST CREDIT UNION, INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $149.07M | 30th pct | 21th pct |
| Members | 12,087 | 44th pct | 30th pct |
| Net worth ratio | 9.56% | 21th pct | 31th pct |
| Return on average assets | 1.49% | 88th pct | 97th pct |
| Net interest margin | 4.29% | 84th pct | 77th pct |
| Cost of funds | 1.38% | 60th pct | 59th pct |
| Loan-to-share | 79.90% | 68th pct | 62th pct |
| Delinquency 60+ days | 1.97% | 95th pct | 95th pct |
| Net charge-off ratio | 0.13% | 23th pct | 10th pct |
| Loan growth YoY | 1.05% | 57th pct | 57th pct |
| Share growth YoY | 0.63% | 14th pct | 7th pct |
| Efficiency ratio | 74.63% | 36th pct | 8th pct |
structural peer set hash: dfb30e7ffd68f54a8bf5ca3302979d9a… (reproducible)
Closest structural peers
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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.