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
- DELQ 95/100
- ROA 16.0%
- ASSETS 0.47%
- MEM 0.54%
- RANK $21.6M
- PHOTO 1,421
- BOOK #332/4,374
- CHARTER MCMURREY
- NCUSIF 19605
Call Report peers
Financial Educators in the assets neighbourhood
Financial Educators's $21.6M assets sit next to MCMURREY ($21.6M) 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.
Financial 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
95 Top 10% higher than 90% 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
Financial Educators - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #19605. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Financial Educators's 5300 filing moved
Financial Educators: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.7% from $21.6M (2025Q4) to $22.6M (2026Q1).
- Net-worth ratio shifted -0.61 pp (16.62% → 16.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Financial Educators, both outside Florida 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 ($21.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 Financial Educators financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Financial Educators carries a financial health score of 95/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #332 of 4,374; by total assets it ranks #3,095 of 4,374 nationally (same basis as /rankings/largest); and #98 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.01% net worth ratio and a 0.47% delinquency rate.
How does Financial Educators compare to other credit unions?
Five weighted metrics from NCUA filings produce Financial Educators's 95/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Financial 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. Financial Educators's net worth ratio of 16.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Financial Educators offer compared to banks?
Credit unions like Financial 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 Financial 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.