Earnings & efficiency · Versioned metric research
Operating expense to assets (annualized)
Federally insured credit unions. Year-to-date total non-interest expense, annualized, over quarter-end (not average) total assets; self-derived by OptimaYield, not an NCUA-published institution ratio. NCUA's system figures use average assets, so values read slightly differently (system net interest margin 3.41% on period-end vs NCUA's 3.44% on average, Q1 2026). Source: NCUA 5300 Call Report quarterly data (ncua_5300). Open official FFIEC instructions ↗
Calculation contract
FS220 ACCT_671 x (12 / months in year-to-date) / FS220 ACCT_010
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 4212 banks' reported operating expense to assets (annualized) 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
Operating expense to assets (annualized) — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2024-06-30 | 3.358 percent | No marker | None |
| 2024-09-30 | 3.384 percent | No marker | None |
| 2024-12-31 | 3.426 percent | No marker | None |
| 2025-03-31 | 3.44 percent | No marker | None |
| 2025-06-30 | 3.456 percent | No marker | None |
| 2025-09-30 | 3.493 percent | No marker | None |
| 2025-12-31 | 3.518 percent | No marker | None |
| 2026-03-31 | 3.556 percent | No marker | None |
| 2026-06-30 | 3.572 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
Operating expense to assets (annualized) 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 | 4,212 | 2.18% | 2.83% | 3.57% | 4.40% | 5.47% |
| 2026-03-31 | 4,246 | 2.18% | 2.82% | 3.56% | 4.40% | 5.38% |
| 2025-12-31 | 4,246 | 2.14% | 2.79% | 3.52% | 4.36% | 5.39% |
| 2025-09-30 | 4,240 | 2.11% | 2.78% | 3.49% | 4.31% | 5.36% |
| 2025-06-30 | 4,234 | 2.10% | 2.75% | 3.46% | 4.27% | 5.24% |
| 2025-03-31 | 4,231 | 2.09% | 2.75% | 3.44% | 4.24% | 5.20% |
| 2024-12-31 | 4,226 | 2.07% | 2.73% | 3.43% | 4.23% | 5.19% |
| 2024-09-30 | 4,221 | 2.06% | 2.69% | 3.38% | 4.16% | 5.10% |
| 2024-06-30 | 4,219 | 2.04% | 2.67% | 3.36% | 4.11% | 5.07% |
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 | 4212 | 2.18% | 2.83% | 3.57% | 4.40% | 5.47% |
| 2026-03-31 | 4246 | 2.18% | 2.82% | 3.56% | 4.40% | 5.38% |
| 2025-12-31 | 4246 | 2.14% | 2.79% | 3.52% | 4.36% | 5.39% |
| 2025-09-30 | 4240 | 2.11% | 2.78% | 3.49% | 4.31% | 5.36% |
| 2025-06-30 | 4234 | 2.10% | 2.75% | 3.46% | 4.27% | 5.24% |
| 2025-03-31 | 4231 | 2.09% | 2.75% | 3.44% | 4.24% | 5.20% |
| 2024-12-31 | 4226 | 2.07% | 2.73% | 3.43% | 4.23% | 5.19% |
| 2024-09-30 | 4221 | 2.06% | 2.69% | 3.38% | 4.16% | 5.10% |
| 2024-06-30 | 4219 | 2.04% | 2.67% | 3.36% | 4.11% | 5.07% |
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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.