Federal credit union · Hartsdale, New York · NCUA charter #2346
Educational and Governmental
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $56.2M
- Total assets
- 5,656
- Members
- 11.1%
- Net-worth ratio
Educational and Governmental scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $56.2M; members 5,656; net-worth ratio 11.09%; health rank #4,163 of 4,374; healthier than 5th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,163 of 4,374 health · 2025Q4Educational and Governmental · health 56/100 · $56.2M · 2025Q4
Call Report peers
Educational and Governmental in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Educational and Governmental vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Educational and Governmental sits in 55-59 with 115 others.
56 5th percentile higher than 5% 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 and Governmental vs $50M–$100M peers
- Largest lag: Loan-to-Share Ratio at 33.31% vs peer 62.60% (-29.29 pp).
Where Educational and Governmental sits in New York
- Health composite ranks #255 of 272 among scored New York credit unions.
- By total assets, Educational and Governmental is #122 of 272 in New York.
- Member book place in New York: #104 of 272.
- One place up in New York, I R E B (#254) ties at 56/100; one place down, CO-OPERATIVE (#256) scores 55/100, 1 point lower.
How Educational and Governmental's 5300 filing moved
Educational and Governmental: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $56.2M (2025Q4) to $56.4M (2026Q1).
- Net-worth ratio shifted +0.36 pp (10.73% → 11.09%).
This credit union's 11.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 56/100 score is built
Educational and Governmental gives up 44 points in total. Delinquency Rate costs the most, 20.3 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 4.7 pts
- Return on Assets 11.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.4 pts
Educational and Governmental vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.09% | -2.53 pp |
| Delinquency Rate | 3.25% | +2.29 pp |
| Return on Assets | 0.29% | -0.37 pp |
| Member Growth | -8.05% | - |
| Loan-to-Share Ratio | 33.31% | -29.29 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Educational and Governmental filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $56.4M | - |
| 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
Branch Locations (2)
Educational and Governmental operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Hartsdale, NY |
| Branch | Mount Vernon, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Educational and Governmental ranks #4,163 of 4,374 nationally on financial health and #255 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Yonkers Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Yonkers Teachers
Frequently Asked Questions
Is Educational and Governmental financially healthy?
Educational and Governmental has a financial health score of 56/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,163 of 4,374 nationally on health and #255 of 272 in New York. Its net worth ratio is 11.09% and its delinquency rate 3.25%.
How does Educational and Governmental compare to other credit unions?
Educational and Governmental scores 56/100, higher than 5% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (33.31% vs 62.60%).
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?
Educational and Governmental 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 and Governmental's net worth ratio of 11.09% 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.