Earnings & efficiency · Versioned metric research
Efficiency ratio
Federally insured credit unions. Year-to-date non-interest expense over year-to-date net interest income plus non-interest income; both are same-period flows so no annualization applies. Self-derived by OptimaYield, not an NCUA-published institution ratio. Source: NCUA 5300 Call Report quarterly data (ncua_5300). Open official FFIEC instructions ↗
Calculation contract
FS220 ACCT_671 / ((FS220A ACCT_115 - FS220A ACCT_350) + FS220A ACCT_117)
Source schedule: Not derivable from this formula
Null policy: abstain if missing
Effective: 2026-03-31 to current
Percentiles describe position, not merit.
P10 through P90 below mark where 4207 banks' reported efficiency ratio values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.
Accessible line chart
Efficiency ratio — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2024-06-30 | 78.68 percent | No marker | None |
| 2024-09-30 | 77.901 percent | No marker | None |
| 2024-12-31 | 78.501 percent | No marker | None |
| 2025-03-31 | 79.175 percent | No marker | None |
| 2025-06-30 | 77.724 percent | No marker | None |
| 2025-09-30 | 76.932 percent | No marker | None |
| 2025-12-31 | 77.478 percent | No marker | None |
| 2026-03-31 | 79.086 percent | No marker | None |
| 2026-06-30 | 78.022 percent | No marker | None |
Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.
Historical distribution
Efficiency ratio across covered banks
Median with interquartile and P10–P90 ranges across verified observations.
View distribution data as a table
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 4,207 | 59.13% | 68.58% | 78.02% | 87.40% | 97.25% |
| 2026-03-31 | 4,236 | 59.34% | 69.06% | 79.09% | 88.75% | 99.70% |
| 2025-12-31 | 4,241 | 59.82% | 68.53% | 77.48% | 86.29% | 95.79% |
| 2025-09-30 | 4,236 | 58.11% | 67.36% | 76.93% | 85.51% | 95.09% |
| 2025-06-30 | 4,228 | 58.43% | 67.80% | 77.72% | 86.42% | 96.04% |
| 2025-03-31 | 4,226 | 58.23% | 68.96% | 79.17% | 88.55% | 98.78% |
| 2024-12-31 | 4,221 | 60.20% | 69.33% | 78.50% | 87.51% | 96.46% |
| 2024-09-30 | 4,217 | 58.41% | 68.32% | 77.90% | 87.04% | 96.25% |
| 2024-06-30 | 4,214 | 58.87% | 68.77% | 78.68% | 88.07% | 97.73% |
Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.
Current distribution
Percentile history
Percentiles exclude unavailable values; they do not convert missing observations to zero.
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 4207 | 59.13% | 68.58% | 78.02% | 87.40% | 97.25% |
| 2026-03-31 | 4236 | 59.34% | 69.06% | 79.09% | 88.75% | 99.70% |
| 2025-12-31 | 4241 | 59.82% | 68.53% | 77.48% | 86.29% | 95.79% |
| 2025-09-30 | 4236 | 58.11% | 67.36% | 76.93% | 85.51% | 95.09% |
| 2025-06-30 | 4228 | 58.43% | 67.80% | 77.72% | 86.42% | 96.04% |
| 2025-03-31 | 4226 | 58.23% | 68.96% | 79.17% | 88.55% | 98.78% |
| 2024-12-31 | 4221 | 60.20% | 69.33% | 78.50% | 87.51% | 96.46% |
| 2024-09-30 | 4217 | 58.41% | 68.32% | 77.90% | 87.04% | 96.25% |
| 2024-06-30 | 4214 | 58.87% | 68.77% | 78.68% | 88.07% | 97.73% |
Institution drilldown
Highest reported values
Institution drilldown
Lowest reported values
Institution discovery
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0 matched institutions · selected period 2026-06-30
| Rank | Institution | FDIC | Value | Percentile |
|---|
No verified institution matched this search.
Related metrics
Other definitions from the same schedule or domain
Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.
Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.