Federal credit union · MIAMI, Florida · NCUA charter #176
EDUCATIONAL
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.76B
- Total assets
- 117,120
- Members
- 15.6%
- Net-worth ratio
EDUCATIONAL scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.76B; members 117,120; net-worth ratio 15.57%; health rank #150 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#150 of 4,374 health · 2025Q4EDUCATIONAL · health 97/100 · $1.76B · 2025Q4
- MEM 97/100
- RANK 15.6%
- PHOTO 0.74%
- BOOK 0.49%
- CHARTER $1.76B
- NCUSIF 117,120
- CAMELS #150/4,374
- HEALTH Credit Union One
- NW 176
Call Report peers
EDUCATIONAL in the assets neighbourhood
EDUCATIONAL's $1.76B assets sit next to Credit Union One ($1.76B) 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.
EDUCATIONAL 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
97 Top 5% higher than 95% 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
EDUCATIONAL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #176 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where EDUCATIONAL diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +4.39 pp (15.57% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 73.87% here, 83.90% peer average (-10.03 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Florida standing for EDUCATIONAL
- In Florida, health place is #9 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #17 of 109 inside Florida ($1.76B reported).
- Membership ranks #16 of 109 among Florida CUs with a reported count (117,120 members).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
EDUCATIONAL: 2025Q4 → 2026Q1
EDUCATIONAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $1.76B (2025Q4) to $1.80B (2026Q1).
- Net-worth ratio shifted -0.14 pp (15.71% → 15.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 14.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for EDUCATIONAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.57% | +4.39 pp |
| Delinquency Rate | 0.74% | -0.13 pp |
| Return on Assets | 0.49% | -0.02 pp |
| Member Growth | 8.63% | - |
| Loan-to-Share Ratio | 73.87% | -10.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
EDUCATIONAL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.80B | - |
| 2025Q4 | $1.76B | 117,120 |
| 2024Q4 | $1.68B | 107,813 |
| 2023Q4 | $1.61B | 99,280 |
Credit Union Details
- Charter Number
- 176
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Florida
- City
- MIAMI
- Data Quarter
- 2025Q4
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for EDUCATIONAL, spread across 4 cities.
| Office | City |
|---|---|
| Kendall (Main Office) | Miami, FL |
| Homestead | Homestead, FL |
| Downtown | Miami, FL |
| Kendall | Miami, FL |
| Miami Gardens | Miami, FL |
| Palmetto Bay | Miami, FL |
| 27th Avenue Branch | Miami, FL |
| Miami Dade College, North Campus | Miami, FL |
| Miami Lakes | Miami Lakes, FL |
| Miramar Park Place | Miramar, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
EDUCATIONAL nationwide neighbourhoods
EDUCATIONAL's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.76B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- EDUCATIONAL ranks #150 of 4,374 nationally on financial health and #9 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Publix Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Publix Employees
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 EDUCATIONAL financially healthy?
Yes/no aside, the number is 97/100 (Excellent) - EDUCATIONAL's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #150 of 4,374; by total assets it ranks #283 of 4,374 nationally (same basis as /rankings/largest); and #17 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.57% net worth ratio and 0.74% delinquency rate are the key drivers.
How does EDUCATIONAL compare to other credit unions?
On PlainCU's health composite, EDUCATIONAL lands at 97/100, compared to a peer group average for Over $500M 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 EDUCATIONAL?
EDUCATIONAL 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 EDUCATIONAL directly for the exact boundaries and application steps.
Is my money safe at EDUCATIONAL?
Federal credit unions like EDUCATIONAL 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. EDUCATIONAL's net worth ratio of 15.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EDUCATIONAL offer compared to banks?
Credit unions like EDUCATIONAL 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 EDUCATIONAL 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.