Federal credit union · New Castle, Delaware · NCUA charter #8609
EDU
Health score 41/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $43.7M
- Total assets
- 8,064
- Members
- 6.9%
- Net-worth ratio
EDU scores 41/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.7M; members 8,064; net-worth ratio 6.85%; health rank #4,335 of 4,374; healthier than 1st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,335 of 4,374 health · 2025Q4EDU · health 41/100 · $43.7M · 2025Q4
- CHARTER 41/100
- NCUSIF 6.9%
- CAMELS 2.72%
- HEALTH -0.42%
- NW $43.7M
- DELQ 8,064
- ROA #4,335/4,374
- ASSETS B.O.N.D. Community
- MEM 8609
Call Report peers
EDU in the assets neighbourhood
EDU's $43.7M assets sit next to B.O.N.D. Community ($43.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EDU vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
41 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
EDU - Share Insurance Coverage
Charter #8609's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for EDU
- Largest lag: Net Worth Ratio at 6.85% vs peer 14.86% (-8.01 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Delaware standing for EDU
- Health composite ranks #15 of 15 among scored Delaware credit unions.
- Assets rank #9 of 15 inside Delaware ($43.7M reported).
- Membership ranks #8 of 15 among Delaware CUs with a reported count (8,064 members).
In-state ordinals use the live credit_unions table for DE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for EDU
EDU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $43.7M (2025Q4) to $44.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (6.99% → 6.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 6.85% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 41/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 41.
- Net Worth Ratio 21.4 pts
- Delinquency Rate 8.0 pts
- Return on Assets 0.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.9 pts
Call Report ratios for EDU
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.85% | -8.01 pp |
| Delinquency Rate | 2.72% | +1.58 pp |
| Return on Assets | -0.42% | -1.13 pp |
| Member Growth | -5.72% | - |
| Loan-to-Share Ratio | 52.58% | -7.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - EDU
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.1M | - |
| 2025Q4 | $43.7M | 8,064 |
| 2024Q4 | $44.3M | 8,553 |
| 2023Q4 | $48.0M | 8,921 |
Credit Union Details
- Charter Number
- 8609
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Delaware
- City
- New Castle
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for EDU, spread across 3 cities in 3 states.
| Office | City |
|---|---|
| Main (Main Office) | Historic New Castle, DE |
| Disaster Recovery | Elkton, MD |
| Vital Records | Memphis, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Delaware
Other federally-insured credit unions in Delaware, closest first by peer group and asset size.
Other-state peers near EDU
Cross-state asset and health neighbours for EDU - kept outside Delaware; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($43.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (41/100 here).
Using this data
- EDU ranks #4,335 of 4,374 nationally on financial health and #15 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Castle County Delaware Em is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Castle County Delaware Em
- Rates and health both vary by institution, not just by state -- see how Delaware credit unions compare overall before assuming this one is typical. Delaware state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is EDU financially healthy?
EDU scores 41/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,335 of 4,374; by total assets it ranks #2,520 of 4,374 nationally (same basis as /rankings/largest); and #9 of 15 within Delaware. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 6.85% net worth ratio and a 2.72% delinquency rate.
How does EDU compare to other credit unions?
On PlainCU's health composite, EDU lands at 41/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 EDU?
EDU 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 EDU directly for the exact boundaries and application steps.
Is my money safe at EDU?
Federal credit unions like EDU 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. EDU's net worth ratio of 6.85% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does EDU offer compared to banks?
Credit unions like EDU 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 EDU directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.