EDU
Charter #8609 · New Castle, DE · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,036 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 6.85% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -0.03% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.04% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.44% 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 | EDU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.10M | 90th pct | 54th pct |
| Members | 8,036 | 99th pct | 82th pct |
| Net worth ratio | 6.85% | 1th pct | 2th pct |
| Return on average assets | -0.03% | 17th pct | 11th pct |
| Net interest margin | 3.82% | 48th pct | 48th pct |
| Cost of funds | 0.04% | 3th pct | 7th pct |
| Loan-to-share | 49.87% | 37th pct | 43th pct |
| Delinquency 60+ days | 2.44% | 90th pct | 95th pct |
| Net charge-off ratio | 0.47% | 70th pct | 67th pct |
| Loan growth YoY | -4.39% | 34th pct | 43th pct |
| Share growth YoY | 0.61% | 32th pct | 25th pct |
| Efficiency ratio | 91.88% | 77th pct | 79th pct |
structural peer set hash: d2541c3aab26930224ba9709fc670d2b… (reproducible)
Closest structural peers
This is the free public view
Claim EDU
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.