Federal credit union · Hartsdale, New York · NCUA charter #2346
Educational and Governmental
Health score 56/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $56.2M
- Total assets
- 5,656
- Members
- 10.7%
- Net-worth ratio
Educational and Governmental - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2346: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Educational and Governmental - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)19
- Earnings (ROA)79
- Member growth0
- Liquidity (loan-to-share)60
Weighted composite: 56/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.73% | 30% |
| Delinquency Rate | 3.25% | 25% |
| Return on Assets | 0.29% | 15% |
| Member Growth | -8.05% | 15% |
| Loan-to-Share Ratio | 33.31% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $56.2M | 5,656 |
| 2024Q4 | $57.5M | 6,151 |
| 2023Q4 | $54.7M | 5,807 |
Credit Union Details
- Charter Number
- 2346
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- New York
- City
- Hartsdale
- Data Quarter
- 2025Q4
What This Data Says About Educational and Governmental
Educational and Governmental is a federal credit union headquartered in Hartsdale, New York, serving 5,656 members with $56.2M in total assets and $16.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 56/100 (Fair), anchored by a net worth ratio of 10.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #2346 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
3.25% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 33.31% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.29% on net income of $164K 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 -8.05%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, 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 and Governmental financially healthy?
Educational and Governmental has a financial health score of 56/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.73% and delinquency rate of 3.25%.
How does Educational and Governmental compare to other credit unions?
Five weighted metrics from NCUA filings produce Educational and Governmental's 56/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 and Governmental?
Educational and Governmental serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Educational and Governmental directly for the current list of qualifying groups.
Is my money safe at Educational and Governmental?
Federal credit unions like Educational and Governmental 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 and Governmental's net worth ratio of 10.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Educational and Governmental offer compared to banks?
Credit unions like Educational and Governmental 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 and Governmental 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.