Educational Employees
Fresno, CA · Charter 60520 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 23 branches
Q2 2026
$5.4BAssets
$2.3BLoans
$4.6BShares
$782.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 98% of credit unions $1B-$10B in assets (rank 9 of 435).
- Widest gap: net interest margin trails 65% of credit unions $1B-$10B in assets (rank 283 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.84%
Rank 9 of 435
Net Interest Margin
3.17%
Rank 283 of 435
Efficiency Ratio
54.12%
Rank 21 of 435
Equity / Assets
14.58%
Rank 42 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.84% | 0.55% | 0.81% | 1.14% | Beats 98% | 9 / 435 | |
| Return on Equity | 12.65% | 5.12% | 7.41% | 9.70% | Beats 93% | 31 / 435 | |
| Net Interest Margin | 3.17% | 3.01% | 3.39% | 3.75% | Beats 35% | 283 / 435 | |
| Efficiency Ratio | 54.12% | 65.25% | 71.39% | 77.86% | Beats 95% | 21 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.45% | 0.69% | 1.05% | Beats 95% | 21 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.58% | 9.81% | 10.84% | 12.63% | Beats 90% | 42 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.58% | 9.81% | 10.84% | 12.63% | Beats 90% | 42 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 50.16% | 78.33% | 88.38% | 95.61% | 3rd pctl | 424 / 435 | |
| Loans / Assets | 42.91% | 67.69% | 74.58% | 80.80% | 2nd pctl | 426 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |