State credit union · Springfield, Missouri · NCUA charter #62589
Educational Community
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $74.8M
- Total assets
- 7,779
- Members
- 9.8%
- Net-worth ratio
Educational Community scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $74.8M; members 7,779; net-worth ratio 9.84%; health rank #3,288 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,288 of 4,374 health · 2025Q4Educational Community · health 75/100 · $74.8M · 2025Q4
- RANK 75/100
- PHOTO 9.8%
- BOOK 1.47%
- CHARTER 0.57%
- NCUSIF $74.8M
- CAMELS 7,779
- HEALTH #3,288/4,374
- NW Blair County
- DELQ 62589
Call Report peers
Educational Community in the assets neighbourhood
Educational Community's $74.8M assets sit next to Blair County ($74.9M) 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 Community 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
75 24th percentile higher than 24% 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 Community - Share Insurance Coverage
Charter #62589's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Educational Community
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +2.30 pp (64.90% vs 62.60%).
- Widest shortfall vs peers is Net Worth Ratio: -3.78 pp (9.84% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri standing for Educational Community
- Health composite ranks #67 of 89 among scored Missouri credit unions.
- Missouri assets place: #36 of 89.
- Member book place in Missouri: #33 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Educational Community
Educational Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $74.8M (2025Q4) to $77.1M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.85% → 9.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.84% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 29.6 pts
- Delinquency Rate 16.5 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.9 pts
Call Report ratios for Educational Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.84% | -3.78 pp |
| Delinquency Rate | 1.47% | +0.51 pp |
| Return on Assets | 0.57% | -0.08 pp |
| Member Growth | -8.57% | - |
| Loan-to-Share Ratio | 64.90% | +2.30 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Educational Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.1M | - |
| 2025Q4 | $74.8M | 7,779 |
| 2024Q4 | $75.3M | 8,508 |
| 2023Q4 | $77.0M | 9,535 |
Credit Union Details
- Charter Number
- 62589
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Locations (2)
Educational Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Springfield Office (Main Office) | Springfield, MO |
| Ozark Office | Ozark, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Educational Community - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($74.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Educational Community ranks #3,288 of 4,374 nationally on financial health and #67 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members 1st
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 Community financially healthy?
Educational Community has a financial health score of 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,288 of 4,374; by total assets it ranks #2,076 of 4,374 nationally (same basis as /rankings/largest); and #36 of 89 within Missouri. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.84% and delinquency rate of 1.47%.
How does Educational Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Educational Community's 75/100 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 Community?
Membership eligibility for Educational Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Educational Community directly for current membership requirements and application steps.
Is my money safe at Educational Community?
Federal credit unions like Educational Community 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 Community's net worth ratio of 9.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Educational Community offer compared to banks?
Credit unions like Educational Community 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 Community 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.