Education 1st
Ogden, UT · Charter 67127 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$61.9MAssets
$52.9MLoans
$55.6MShares
$6.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of credit unions under $1B in assets (rank 185 of 1682).
- Widest gap: equity / assets trails 81% of credit unions under $1B in assets (rank 1358 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.69%
Rank 896 of 1,683
Net Interest Margin
3.17%
Rank 1,357 of 1,683
Efficiency Ratio
72.54%
Rank 569 of 1,682
Equity / Assets
9.94%
Rank 1,358 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 896 / 1,683 | |
| Return on Equity | 6.95% | 2.67% | 5.89% | 8.74% | Beats 61% | 661 / 1,681 | |
| Net Interest Margin | 3.17% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,357 / 1,683 | |
| Efficiency Ratio | 72.54% | 68.91% | 78.20% | 86.93% | Beats 66% | 569 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.26% | 0.65% | 1.29% | Beats 89% | 185 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.94% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,358 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.94% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,358 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 95.27% | 52.61% | 69.38% | 83.50% | 93rd pctl | 110 / 1,683 | |
| Loans / Assets | 85.47% | 44.71% | 59.18% | 70.72% | 98th pctl | 35 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |