Federal credit union · Daytona Beach, Florida · NCUA charter #19605
Financial Educators
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $21.6M
- Total assets
- 1,421
- Members
- 16.0%
- Net-worth ratio
Financial Educators scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.6M; members 1,421; net-worth ratio 16.01%; health rank #332 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#332 of 4,374 health · 2025Q4Financial Educators · health 95/100 · $21.6M · 2025Q4
Call Report peers
Financial Educators in the assets neighbourhood
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Financial Educators vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Financial Educators sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Financial Educators vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +7.92 pp (67.72% vs 59.80%).
- Return on Assets trails the peer set - 0.54% here, 0.70% peer average (-0.17 pp).
Where Financial Educators sits in Florida
- Health composite ranks #17 of 109 among scored Florida credit unions.
- By total assets, Financial Educators is #98 of 109 in Florida.
- Member book place in Florida: #98 of 109.
- One place up in Florida, COASTLINE (#16) scores 96/100, 1 point higher; one place down, MIDFLORIDA (#18) ties at 95/100.
How Financial Educators's 5300 filing moved
Financial Educators: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.7% from $21.6M (2025Q4) to $22.6M (2026Q1).
- Net-worth ratio shifted -0.61 pp (16.62% → 16.01%).
This credit union's 16.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Financial Educators gives up 5 points in total. Member Growth costs the most, 4.5 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 10.5 pts
- Loan-to-Share Ratio 14.5 pts
Financial Educators vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.01% | +1.15 pp |
| Delinquency Rate | 0.47% | -0.68 pp |
| Return on Assets | 0.54% | -0.17 pp |
| Member Growth | 1.28% | - |
| Loan-to-Share Ratio | 67.72% | +7.92 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Financial Educators quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.6M | - |
| 2025Q4 | $21.6M | 1,421 |
| 2024Q4 | $22.2M | 1,403 |
| 2023Q4 | $22.9M | 1,414 |
Credit Union Details
- Charter Number
- 19605
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Florida
- City
- Daytona Beach
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Financial Educators runs one office.
| Office | City |
|---|---|
| main branch (Main Office) | Daytona Beach, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Financial Educators ranks #332 of 4,374 nationally on financial health and #17 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metro North is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metro North
Frequently Asked Questions
Is Financial Educators financially healthy?
Financial Educators has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #332 of 4,374 nationally on health and #17 of 109 in Florida. Its net worth ratio is 16.01% and its delinquency rate 0.47%.
How does Financial Educators compare to other credit unions?
Financial Educators scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (67.72% vs 59.80%). Its widest shortfall is return on assets (0.54% vs 0.70%).
How can I join Financial Educators?
Financial Educators operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Financial Educators directly for the exact boundaries and application steps.
Is my money safe at Financial Educators?
Financial Educators is a federal 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. Financial Educators's net worth ratio of 16.01% 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.