State credit union · Racine, Wisconsin · NCUA charter #66448
EDUCATORS
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $3.75B
- Total assets
- 231,831
- Members
- 13.9%
- Net-worth ratio
EDUCATORS scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.75B; members 231,831; net-worth ratio 13.94%; health rank #1,229 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,229 of 4,374 health · 2025Q4EDUCATORS · health 89/100 · $3.75B · 2025Q4
- NCUSIF 89/100
- CAMELS 13.9%
- HEALTH 0.92%
- NW 0.99%
- DELQ $3.75B
- ROA 231,831
- ASSETS #1,229/4,374
- MEM Utah Community
- RANK 66448
Call Report peers
EDUCATORS in the assets neighbourhood
EDUCATORS's $3.75B assets sit next to Utah Community ($3.74B) 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.
EDUCATORS 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
89 Top 31% higher than 69% 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
EDUCATORS - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66448, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where EDUCATORS diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.76 pp (13.94% vs 11.18%).
- Largest lag: Loan-to-Share Ratio at 77.85% vs peer 83.90% (-6.05 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wisconsin standing for EDUCATORS
- Wisconsin health ordinal: #48 of 100.
- By total assets, EDUCATORS is #8 of 100 in Wisconsin.
- Membership ranks #6 of 100 among Wisconsin CUs with a reported count (231,831 members).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for EDUCATORS
EDUCATORS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $3.75B (2025Q4) to $3.89B (2026Q1).
- Net-worth ratio shifted -0.12 pp (14.06% → 13.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.8 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 14.7 pts
EDUCATORS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.94% | +2.76 pp |
| Delinquency Rate | 0.92% | +0.05 pp |
| Return on Assets | 0.99% | +0.48 pp |
| Member Growth | -0.27% | - |
| Loan-to-Share Ratio | 77.85% | -6.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - EDUCATORS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.89B | - |
| 2025Q4 | $3.75B | 231,831 |
| 2024Q4 | $3.39B | 232,467 |
| 2023Q4 | $3.23B | 230,337 |
Credit Union Details
- Charter Number
- 66448
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Racine
- Data Quarter
- 2025Q4
Branch Locations (26)
EDUCATORS operates 26 offices across 17 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Home Office (Main Office) | Mount Pleasant, WI |
| Educators Credit Union - Beloit | Beloit, WI |
| Educators Credit Union - Burlington | Burlington, WI |
| Educators Credit Union - Elkhorn | Elkhorn, WI |
| Educators Credit Union - Glendale | Glendale, WI |
| Educators Credit Union- Layton | Greenfield, WI |
| Educators Credit Union - Janesville | Janesville, WI |
| Educators Credit Union - Kenosha | Kenosha, WI |
| Educators Credit Union - Parkside | Kenosha, WI |
| Educators Credit Union -Pleasant Praire | Kenosha, WI |
| Educators Credit Union - Appleton Ave | Milwaukee, WI |
| Educators Credit Union - Prospect | Milwaukee, WI |
| Educators Credit Union - Loomis | Milwaukee, WI |
| Educators Credit Union - Park Place | Milwaukee, WI |
| Educators Credit Union - Center Street | Milwaukee, WI |
| Educators Credit Union- Forest Home | Milwaukee, WI |
| Educators Credit Union- Aurora Sinai | Milwaukee, WI |
| Educators Credit Union- Newman | Mount Pleasant, WI |
| Educators Credit Union - Mukwonago | Mukwonago, WI |
| Educators Credit Union - New Berlin | New Berlin, WI |
| Educators Credit Union-Oak Creek | Oak Creek, WI |
| Educators Credit Union - Rapids Dr | Racine, WI |
| Educators Credit Union - South Milwaukee | South Milwaukee, WI |
| Educators Credit Union - Sturtevant | Sturtevant, WI |
| Educators Credit Union - Waukesha | Waukesha, WI |
| Educators Credit Union-West Allis | West Allis, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
EDUCATORS nationwide neighbourhoods
Two NCUA Call Report peer sets for EDUCATORS, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.75B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- EDUCATORS ranks #1,229 of 4,374 nationally on financial health and #48 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONNEXUS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONNEXUS
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 EDUCATORS financially healthy?
A 13.94% net worth ratio and a 0.92% delinquency rate feed into EDUCATORS's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,229 of 4,374; by total assets it ranks #135 of 4,374 nationally (same basis as /rankings/largest); and #8 of 100 within Wisconsin. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does EDUCATORS compare to other credit unions?
PlainCU's health composite puts EDUCATORS at 89/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 EDUCATORS?
Membership eligibility for EDUCATORS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EDUCATORS directly for current membership requirements and application steps.
Is my money safe at EDUCATORS?
Federal credit unions like EDUCATORS 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. EDUCATORS's net worth ratio of 13.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EDUCATORS offer compared to banks?
Credit unions like EDUCATORS 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 EDUCATORS 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.