Federal credit union · MERIDIAN, Idaho · NCUA charter #1040
Capital Educators
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $1.45B
- Total assets
- 100,988
- Members
- 6.5%
- Net-worth ratio
Capital Educators - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1040: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Capital Educators - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)62
- Asset quality (delinquency)72
- Earnings (ROA)79
- Member growth31
- Liquidity (loan-to-share)62
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.48% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.48% | 30% |
| Delinquency Rate | 1.26% | 25% |
| Return on Assets | 0.29% | 15% |
| Member Growth | -2.44% | 15% |
| Loan-to-Share Ratio | 103.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.45B | 100,988 |
| 2024Q4 | $1.57B | 103,518 |
| 2023Q4 | $1.59B | 106,665 |
Credit Union Details
- Charter Number
- 1040
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Idaho
- City
- MERIDIAN
- Data Quarter
- 2025Q4
What This Data Says About Capital Educators
Headquartered in MERIDIAN, Idaho, Capital Educators is a federal credit union with 100,988 members, $1.45B in total assets, and $1.11B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 62/100 (Good), driven in part by a net worth ratio of 6.48% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #1040 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 1.26% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 103.20% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.29% on net income of $4.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.44%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Idaho
More federally-insured credit unions based in Idaho, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Capital Educators financially healthy?
Capital Educators has a financial health score of 62/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.48% and delinquency rate of 1.26%.
How does Capital Educators compare to other credit unions?
PlainCU's health composite puts Capital Educators at 62/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Capital Educators?
Capital Educators operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Capital Educators directly for the exact boundaries and application steps.
Is my money safe at Capital Educators?
Federal credit unions like Capital Educators are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Capital Educators's net worth ratio of 6.48% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Capital Educators offer compared to banks?
Credit unions like Capital Educators are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Capital Educators directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.