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
Call Report peers
EDUCATIONAL in the assets neighbourhood
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EDUCATIONAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EDUCATIONAL sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Florida, ADVENTHEALTH (#8) scores 98/100, 1 point higher; one place down, Dade County (#10) ties at 97/100.
EDUCATIONAL: 2025Q4 → 2026Q1
EDUCATIONAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $1.76B (2025Q4) to $1.80B (2026Q1).
- Net-worth ratio shifted -0.14 pp (15.71% → 15.57%).
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
EDUCATIONAL gives up 3 points in total. Delinquency Rate costs the most, 2.4 of its 25; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is EDUCATIONAL financially healthy?
On its 2025Q4 NCUA 5300 filing, EDUCATIONAL scores 97/100 (Excellent), with a 15.57% net worth ratio and 0.74% of loans delinquent. It ranks #150 of 4,374 nationally on health and #9 of 109 in Florida.
How does EDUCATIONAL compare to other credit unions?
EDUCATIONAL scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.57% vs 11.18%). Its widest shortfall is loan-to-share ratio (73.87% vs 83.90%).
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?
EDUCATIONAL 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. EDUCATIONAL's net worth ratio of 15.57% 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.