Federal credit union · MERIDIAN, Idaho · NCUA charter #1040
Capital Educators
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $1.45B
- Total assets
- 100,988
- Members
- 8.1%
- Net-worth ratio
Capital Educators scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.45B; members 100,988; net-worth ratio 8.05%; health rank #3,674 of 4,374; healthier than 16th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,674 of 4,374 health · 2025Q4Capital Educators · health 69/100 · $1.45B · 2025Q4
Call Report peers
Capital Educators in the assets neighbourhood
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Capital Educators vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Capital Educators sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Capital Educators: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 103.20% vs peer 83.90% (+19.30 pp).
- Net Worth Ratio trails the peer set - 8.05% here, 11.18% peer average (-3.13 pp).
Capital Educators in Idaho
- Health composite ranks #23 of 26 among scored Idaho credit unions.
- Assets rank #4 of 26 inside Idaho ($1.45B reported).
- Member book place in Idaho: #3 of 26.
- One place up in Idaho, Boise Fire Department (#22) scores 72/100, 3 points higher; one place down, SEI (#24) scores 67/100, 2 points lower.
Capital Educators Call Report trajectory
Capital Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.1% from $1.45B (2025Q4) to $1.40B (2026Q1).
- Net-worth ratio shifted +0.22 pp (7.83% → 8.05%).
This credit union's 8.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Capital Educators gives up 31 points in total. Member Growth costs the most, 10.4 of its 15; Return on Assets loses the least, 3.1.
- Net Worth Ratio 25.1 pts
- Delinquency Rate 18.0 pts
- Return on Assets 11.9 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 9.4 pts
Capital Educators vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.05% | -3.13 pp |
| Delinquency Rate | 1.26% | +0.39 pp |
| Return on Assets | 0.29% | -0.22 pp |
| Member Growth | -2.44% | - |
| Loan-to-Share Ratio | 103.20% | +19.30 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.40B | - |
| 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
Branch Locations (13)
The NCUA branch filing lists 13 physical offices for Capital Educators, spread across 7 cities.
| Office | City |
|---|---|
| Administrative Center (Main Office) | Meridian, ID |
| McMillan Branch | Boise, ID |
| Thunderbolt Branch | Boise, ID |
| Parkcenter Branch | Boise, ID |
| Caldwell Branch | Caldwell, ID |
| Eagle Branch | Eagle, ID |
| Kuna Member Convenience Center | Kuna, ID |
| Linder Member Convenience Center | Meridian, ID |
| Meridian Ops Center | Meridian, ID |
| South Meridian Member Convenience Center | Meridian, ID |
| Marketplace Branch | Nampa, ID |
| South Nampa Member Convenience Center | Nampa, ID |
| Twin Falls Member Convenience Center | Twin Falls, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
More federally-insured credit unions based in Idaho, ordered by peer group match and asset size.
Capital Educators nationwide neighbourhoods
Similar total assets
Using this data
- Capital Educators ranks #3,674 of 4,374 nationally on financial health and #23 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WESTMARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WESTMARK
Frequently Asked Questions
Is Capital Educators financially healthy?
Capital Educators has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,674 of 4,374 nationally on health and #23 of 26 in Idaho. Its net worth ratio is 8.05% and its delinquency rate 1.26%.
How does Capital Educators compare to other credit unions?
Capital Educators scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (103.20% vs 83.90%). Its widest shortfall is net worth ratio (8.05% vs 11.18%).
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?
Capital Educators is a federal credit union; its shares are federally 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 8.05% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.