Educational Community
Springfield, MO · Charter 62589 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$77.7MAssets
$42.8MLoans
$69.5MShares
$7.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 59% of credit unions under $1B in assets (rank 683 of 1683).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets (rank 1413 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.58%
Rank 1,040 of 1,683
Net Interest Margin
3.98%
Rank 683 of 1,683
Efficiency Ratio
79.68%
Rank 920 of 1,682
Equity / Assets
9.58%
Rank 1,413 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,040 / 1,683 | |
| Return on Equity | 6.05% | 2.67% | 5.89% | 8.74% | Beats 52% | 810 / 1,681 | |
| Net Interest Margin | 3.98% | 3.31% | 3.82% | 4.32% | Beats 59% | 683 / 1,683 | |
| Efficiency Ratio | 79.68% | 68.91% | 78.20% | 86.93% | Beats 45% | 920 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,008 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.58% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,413 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.58% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,413 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 61.61% | 52.61% | 69.38% | 83.50% | 37th pctl | 1,062 / 1,683 | |
| Loans / Assets | 55.12% | 44.71% | 59.18% | 70.72% | 42nd pctl | 974 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |