State credit union · WACO, Texas · NCUA charter #67611
EDUCATORS
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $593.2M
- Total assets
- 27,492
- Members
- 19.9%
- Net-worth ratio
EDUCATORS scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $593.2M; members 27,492; net-worth ratio 19.90%; health rank #1,751 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,751 of 4,374 health · 2025Q4EDUCATORS · health 86/100 · $593.2M · 2025Q4
Call Report peers
EDUCATORS in the assets neighbourhood
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
EDUCATORS sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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 vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +8.72 pp (19.90% vs 11.18%).
- Largest lag: Loan-to-Share Ratio at 30.91% vs peer 83.90% (-52.99 pp).
EDUCATORS in Texas
- Health composite ranks #158 of 386 among scored Texas credit unions.
- By total assets, EDUCATORS is #58 of 386 in Texas.
- Texas membership ordinal: #73 of 386.
- One place up in Texas, SEAGOVILLE (#157) ties at 86/100; one place down, Old Ocean (#159) ties at 86/100.
Quarter path for EDUCATORS
EDUCATORS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $593.2M (2025Q4) to $604.0M (2026Q1).
- Net-worth ratio shifted +0.20 pp (19.70% → 19.90%).
At 19.90%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
EDUCATORS gives up 14 points in total. Member Growth costs the most, 7.9 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 7.1 pts
- Loan-to-Share Ratio 8.9 pts
EDUCATORS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.90% | +8.72 pp |
| Delinquency Rate | 0.17% | -0.70 pp |
| Return on Assets | 1.68% | +1.17 pp |
| Member Growth | -1.08% | - |
| Loan-to-Share Ratio | 30.91% | -52.99 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - EDUCATORS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $604.0M | - |
| 2025Q4 | $593.2M | 27,492 |
| 2024Q4 | $549.3M | 27,791 |
| 2023Q4 | $547.6M | 28,405 |
Credit Union Details
- Charter Number
- 67611
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- WACO
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for EDUCATORS, spread across 6 cities.
| Office | City |
|---|---|
| MAIN (Main Office) | WACO, TX |
| COPPERAS COVE | COPPERAS COVE, TX |
| GATESVILLE | GATESVILLE, TX |
| HEWITT | HEWITT, TX |
| ROBINSON | ROBINSON, TX |
| TSTC | WACO, TX |
| LAKESHORE | WACO, TX |
| Trojan Branch | Waco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
EDUCATORS nationwide neighbourhoods
Using this data
- EDUCATORS ranks #1,751 of 4,374 nationally on financial health and #158 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DUGOOD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DUGOOD
Frequently Asked Questions
Is EDUCATORS financially healthy?
EDUCATORS has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,751 of 4,374 nationally on health and #158 of 386 in Texas. Its net worth ratio is 19.90% and its delinquency rate 0.17%.
How does EDUCATORS compare to other credit unions?
EDUCATORS scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (19.90% vs 11.18%). Its widest shortfall is loan-to-share ratio (30.91% vs 83.90%).
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?
EDUCATORS 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. EDUCATORS's net worth ratio of 19.90% 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.