EGLIN
Charter #9788 · Fort Walton Bea, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 121,775 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.72% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.31% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.10% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 84th — a 33-point gap showing why the peer definition matters.
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 | EGLIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.09B | 66th pct | 92th pct |
| Members | 121,775 | 51th pct | 84th pct |
| Net worth ratio | 12.76% | 79th pct | 56th pct |
| Return on average assets | 1.01% | 74th pct | 72th pct |
| Net interest margin | 2.72% | 15th pct | 13th pct |
| Cost of funds | 1.26% | 28th pct | 51th pct |
| Loan-to-share | 35.13% | 1th pct | 5th pct |
| Delinquency 60+ days | 0.31% | 15th pct | 21th pct |
| Net charge-off ratio | 0.45% | 42th pct | 31th pct |
| Loan growth YoY | -3.46% | 3th pct | 13th pct |
| Share growth YoY | 3.19% | 33th pct | 44th pct |
| Efficiency ratio | 66.10% | 25th pct | 18th pct |
structural peer set hash: c68883523d7b44af9e1ded7bc883a636… (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.