State credit union · FRESNO, California · NCUA charter #60520
Educational Employees
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $5.26B
- Total assets
- 396,527
- Members
- 14.1%
- Net-worth ratio
Educational Employees scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.26B; members 396,527; net-worth ratio 14.07%; health rank #475 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#475 of 4,374 health · 2025Q4Educational Employees · health 94/100 · $5.26B · 2025Q4
Call Report peers
Educational Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Educational Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Educational Employees sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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 Employees vs Over $500M peers
- Net Worth Ratio leads the peer set - 14.07% here, 11.18% peer average (+2.89 pp).
- Largest lag: Loan-to-Share Ratio at 50.60% vs peer 83.90% (-33.30 pp).
California standing for Educational Employees
- In California, health place is #35 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #14 of 243.
- Membership ranks #7 of 243 among California CUs with a reported count (396,527 members).
- One place up in California, United Association (#34) ties at 94/100; one place down, F & a (#36) ties at 94/100.
Quarter path for Educational Employees
Educational Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $5.26B (2025Q4) to $5.38B (2026Q1).
- Net-worth ratio shifted +0.12 pp (13.95% → 14.07%).
This credit union's 14.07% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Educational Employees gives up 6 points in total. Loan-to-Share Ratio costs the most, 4.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.07% | +2.89 pp |
| Delinquency Rate | 0.23% | -0.65 pp |
| Return on Assets | 1.20% | +0.69 pp |
| Member Growth | 3.72% | - |
| Loan-to-Share Ratio | 50.60% | -33.30 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Educational Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.38B | - |
| 2025Q4 | $5.26B | 396,527 |
| 2024Q4 | $4.71B | 382,323 |
| 2023Q4 | $4.65B | 367,087 |
Credit Union Details
- Charter Number
- 60520
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- FRESNO
- Data Quarter
- 2025Q4
Branch Locations (23)
The NCUA branch filing lists 23 physical offices for Educational Employees, spread across 12 cities.
| Office | City |
|---|---|
| Corporate (Main Office) | Fresno, CA |
| Clovis North | Clovis, CA |
| Clovis Old Town | Clovis, CA |
| Armstrong | Clovis, CA |
| Perrin | Fresno, CA |
| Barstow | Fresno, CA |
| Sunnyside | Fresno, CA |
| Milburn | Fresno, CA |
| Valentine | Fresno, CA |
| Van Ness | Fresno, CA |
| Clinton Way | Fresno, CA |
| Clovis West | Fresno, CA |
| Hanford | Hanford, CA |
| Madera | Madera, CA |
| Merced | Merced, CA |
| Paso Robles | Paso Robles, CA |
| Porterville | Porterville, CA |
| Reedley | Reedley, CA |
| Sanger | Sanger, CA |
| Selma | Selma, CA |
| Tulare | Tulare, CA |
| Visalia | Visalia, CA |
| Demaree | Visalia, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Other-state peers near Educational Employees
Using this data
- Educational Employees ranks #475 of 4,374 nationally on financial health and #35 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CALIFORNIA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CALIFORNIA
Frequently Asked Questions
Is Educational Employees financially healthy?
Educational Employees has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #475 of 4,374 nationally on health and #35 of 243 in California. Its net worth ratio is 14.07% and its delinquency rate 0.23%.
How does Educational Employees compare to other credit unions?
Educational Employees scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (14.07% vs 11.18%). Its widest shortfall is loan-to-share ratio (50.60% vs 83.90%).
How can I join Educational Employees?
Membership eligibility for Educational Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Educational Employees directly for current membership requirements and application steps.
Is my money safe at Educational Employees?
Educational Employees is a state-chartered 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 Employees's net worth ratio of 14.07% 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.