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Letter portraitLegal landscapeQuarterYTD

Education First Credit Union, Inc.

Columbus, OH · Charter 68447

NCUA · 2 branches

Q2 2026

$145.7MAssets
$103.5MLoans
$125.6MShares
$14.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.19%, up 111 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 2.13% of loans (+25 bps YoY).
  • Capital: net worth / assets of 10.00%, up 98 bps from a year ago.
  • Funding: loans stand at 82.45% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.19%+111 bps YoY

Net Interest Margin (YTD, annualized)

4.36%+38 bps YoY

Efficiency Ratio (YTD, annualized)

79.07%-669 bps YoY

Net Worth / Assets

10.00%+98 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.26%0.26%0.37%0.08%0.17%0.37%1.48%1.19%+111 bps
Return on Equity2.75%2.81%4.07%0.88%1.86%3.91%15.45%11.91%+1,103 bps
Net Interest Margin4.04%3.93%3.87%3.98%4.10%4.21%4.25%4.36%+38 bps
Efficiency Ratio85.22%86.24%84.48%85.76%86.37%84.72%74.63%79.07%-669 bps
Growth
Asset Growth (YoY)0.76%5.63%7.05%5.60%5.46%1.34%-0.10%-1.77%-737 bps
Loan Growth (YoY)2.33%7.77%8.76%8.87%9.52%2.51%2.72%1.53%-733 bps
Share Growth (YoY)0.44%3.59%6.35%5.81%5.69%2.77%-0.54%-3.90%-972 bps
Asset Quality
Delinquent Loans / Loans1.47%1.73%1.53%1.89%1.56%1.43%1.97%2.13%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.61%9.20%9.02%9.02%9.20%9.34%9.56%10.00%+98 bps
Net Worth / Assets9.61%9.20%9.02%9.02%9.20%9.34%9.56%10.00%+98 bps
Liquidity & Funding
Loans / Shares76.79%80.48%77.36%78.03%79.57%80.28%79.90%82.45%+441 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps