OHIO EDUCATIONAL
Charter #95107 · Cleveland, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.10% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.26% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.54% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.09% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.18% ranks in the 0th 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 | OHIO EDUCATIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $158.24M | 35th pct | 52th pct |
| Members | 14,709 | 58th pct | 59th pct |
| Net worth ratio | 8.10% | 4th pct | 3th pct |
| Return on average assets | 0.30% | 23th pct | 30th pct |
| Net interest margin | 4.26% | 83th pct | 80th pct |
| Cost of funds | 0.54% | 21th pct | 21th pct |
| Loan-to-share | 74.59% | 55th pct | 57th pct |
| Delinquency 60+ days | 0.09% | 5th pct | 10th pct |
| Net charge-off ratio | -0.18% | 0th pct | 0th pct |
| Loan growth YoY | -4.60% | 7th pct | 10th pct |
| Share growth YoY | 2.78% | 40th pct | 38th pct |
| Efficiency ratio | 94.07% | 93th pct | 87th pct |
structural peer set hash: 36180888f60b07b45b682e23b777405b… (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.