Financial Educators
Daytona Beach, FL · Charter 19605 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$23.5MAssets
$12.0MLoans
$19.7MShares
$3.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets (rank 141 of 1682).
- Widest gap: net interest margin trails 69% of credit unions under $1B in assets (rank 1164 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.73%
Rank 846 of 1,683
Net Interest Margin
3.44%
Rank 1,164 of 1,683
Efficiency Ratio
72.47%
Rank 564 of 1,682
Equity / Assets
15.68%
Rank 479 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.35% | 0.74% | 1.18% | Beats 50% | 846 / 1,683 | |
| Return on Equity | 4.67% | 2.67% | 5.89% | 8.74% | Beats 41% | 991 / 1,681 | |
| Net Interest Margin | 3.44% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,164 / 1,683 | |
| Efficiency Ratio | 72.47% | 68.91% | 78.20% | 86.93% | Beats 67% | 564 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.26% | 0.65% | 1.29% | Beats 92% | 141 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.68% | 10.44% | 12.89% | 16.53% | Beats 72% | 479 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.68% | 10.44% | 12.89% | 16.53% | Beats 72% | 479 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 60.85% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,077 / 1,683 | |
| Loans / Assets | 51.03% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,085 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |