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
- MEM 86/100
- RANK 19.9%
- PHOTO 0.17%
- BOOK 1.68%
- CHARTER $593.2M
- NCUSIF 27,492
- CAMELS #1,751/4,374
- HEALTH EMBOLD
- NW 67611
Call Report peers
EDUCATORS in the assets neighbourhood
EDUCATORS's $593.2M assets sit next to EMBOLD ($592.1M) 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67611, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX 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 +1.8% from $593.2M (2025Q4) to $604.0M (2026Q1).
- Net-worth ratio shifted +0.20 pp (19.70% → 19.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
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 | $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
EDUCATORS's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($593.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 19.90% net worth ratio and a 0.17% delinquency rate feed into EDUCATORS's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,751 of 4,374; by total assets it ranks #684 of 4,374 nationally (same basis as /rankings/largest); and #58 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does EDUCATORS compare to other credit unions?
On PlainCU's health composite, EDUCATORS lands at 86/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 19.90% 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.