Educators
Racine, WI · Charter 66448 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
$4.0BAssets
$2.6BLoans
$3.3BShares
$554.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of credit unions $1B-$10B in assets (rank 54 of 435).
- Widest gap: nonperforming loans / loans trails 71% of credit unions $1B-$10B in assets (rank 310 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.39%
Rank 57 of 435
Net Interest Margin
3.27%
Rank 255 of 435
Efficiency Ratio
66.42%
Rank 124 of 435
Equity / Assets
13.92%
Rank 54 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.55% | 0.81% | 1.14% | Beats 87% | 57 / 435 | | |
| Return on Equity | 10.02% | 5.12% | 7.41% | 9.70% | Beats 77% | 100 / 435 | | |
| Net Interest Margin | 3.27% | 3.01% | 3.39% | 3.75% | Beats 41% | 255 / 435 | | |
| Efficiency Ratio | 66.42% | 65.25% | 71.39% | 77.86% | Beats 72% | 124 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.45% | 0.69% | 1.05% | Beats 29% | 310 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.92% | 9.81% | 10.84% | 12.63% | Beats 88% | 54 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.92% | 9.81% | 10.84% | 12.63% | Beats 88% | 54 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.61% | 78.33% | 88.38% | 95.61% | 22nd pctl | 339 / 435 | | |
| Loans / Assets | 64.27% | 67.69% | 74.58% | 80.80% | 18th pctl | 357 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |