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
Call Report peers
EDU in the assets neighbourhood
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EDU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EDU sits in 40-44 with 25 others.
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
Peer-gap read for EDU
- Largest lag: Net Worth Ratio at 6.85% vs peer 14.86% (-8.01 pp).
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).
- No scored Delaware credit union ranks lower; the next one up, Wilmington Police & Fire (#14) scores 54/100, 13 points higher.
Quarter path for EDU
EDU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $43.7M (2025Q4) to $44.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (6.99% → 6.85%).
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
EDU gives up 59 points in total. Delinquency Rate costs the most, 17 of its 25; Loan-to-Share Ratio loses the least, 3.9.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is EDU financially healthy?
EDU has a financial health score of 41/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,335 of 4,374 nationally on health and #15 of 15 in Delaware. Its net worth ratio is 6.85% and its delinquency rate 2.72%.
How does EDU compare to other credit unions?
EDU scores 41/100, higher than 1% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (6.85% vs 14.86%).
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?
EDU 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. EDU's net worth ratio of 6.85% is relative to 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.