EDU
Charter #8609 | DE
<100M
(2596 CUs)
Micro
($0-$500M)
9 <100M in DE
EDU has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 2.7% in tier
- + Members Per Employee (MPE): Top 3.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency ratio 3.24% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Net Worth Ratio: Bottom 1.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,501
-4.2% YoY+0.2% QoQ
|
+5.9K |
2,625
-2.2% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
Top 2.8% in tier |
| Assets |
$43.8M
-3.6% YoY-4.5% QoQ
|
+$13.9M |
$29.9M
+1.1% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
73rd in tier |
| Loans |
$21.4M
+4.0% YoY+0.4% QoQ
|
+$5.6M |
$15.8M
-2.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
72nd in tier |
| Deposits |
$40.8M
-4.7% YoY-3.0% QoQ
|
+$15.3M |
$25.5M
+0.4% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 24.0% in tier |
| ROA |
0.5%
-193.5% YoY-8.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
38th in tier |
| NIM |
3.5%
+28.5% YoY+7.8% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
34th in tier |
| Efficiency Ratio |
84.6%
-20.5% YoY-1.2% QoQ
|
+3.2% |
81.4%
-2.4% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
66th in tier |
| Delinquency Rate |
1.3%
+12.2% YoY+13.3% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
68th in tier |
| Loan To Share |
52.5%
+9.0% YoY+3.5% QoQ
|
-8.8% |
61.2%
-3.0% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
36th in tier |
| AMR |
$7,313
+2.5% YoY-2.1% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 16.2% in tier |
| CD Concentration |
0.8%
+121.6% YoY+26.2% QoQ
|
-23.6% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
71
Total Members
engagement
Value:
8,501
Peer Avg: 2,626
#71 of 2596
Top 2.7% in <100M tier
88
Members Per Employee (MPE)
engagement
Value:
772.818
Peer Avg: 365.701
#88 of 2596
Top 3.4% in <100M tier
615
Loan Growth Rate
growth
Value:
3.96%
Peer Avg: 59.01%
#615 of 2596
Top 23.7% in <100M tier
622
Total Deposits
balance_sheet
Value:
$40.77M
Peer Avg: $25.45M
#622 of 2596
Top 23.9% in <100M tier
642
Share Certificate Concentration (%)
balance_sheet
Value:
0.76%
Peer Avg: 15.37%
#642 of 2596
Top 24.7% in <100M tier
Top Weaknesses (6 metrics)
2560
Net Worth Ratio
risk
Value:
6.83%
Peer Avg: 16.43%
#2560 of 2596
Bottom 1.4% in <100M tier
2176
Average Member Relationship (AMR)
engagement
Value:
$7,313
Peer Avg: $14,627
#2176 of 2596
Bottom 16.2% in <100M tier
2129
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,517
Peer Avg: $5,488
#2129 of 2596
Bottom 18.0% in <100M tier
2113
Deposit Growth Rate
growth
Value:
-4.66%
Peer Avg: 16.80%
#2113 of 2596
Bottom 18.6% in <100M tier
2102
Asset Growth Rate
growth
Value:
-3.58%
Peer Avg: 1.82%
#2102 of 2596
Bottom 19.1% in <100M tier
2040
Member Growth Rate
growth
Value:
-4.24%
Peer Avg: 14.92%
#2040 of 2596
Bottom 21.5% in <100M tier