Federal credit union · MIAMI, Florida · NCUA charter #176
Educational
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.76B
- Total assets
- 117,120
- Members
- 15.7%
- Net-worth ratio
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.
Educational - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)90
- Earnings (ROA)99
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 15.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.70% | 30% |
| Delinquency Rate | 0.74% | 25% |
| Return on Assets | 0.49% | 15% |
| Member Growth | 8.63% | 15% |
| Loan-to-Share Ratio | 73.87% | 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 | $1.76B | 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
What This Data Says About Educational
Educational is a federal credit union headquartered in MIAMI, Florida, serving 117,120 members with $1.76B in total assets and $1.09B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 97/100 (Excellent), anchored by a net worth ratio of 15.70% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #176 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.74% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 73.87% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.49% on net income of $8.5M 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 8.63%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, 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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.70% 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 15.70% 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.
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.