Capital Educators Federal Credit Union Meridian, Idaho
Capital Educators Federal Credit Union is a federal credit union headquartered in Meridian, ID, established in 1936 (NCUA charter 1040), and it is regulated and insured by the NCUA. At Q2 2026 it reported 99,861 members and total assets of $1.35B (down 10.4% from Q2 2025), the 4th largest of 26 credit unions headquartered in Idaho. Its net worth ratio was 8.41% at Q2 2026, in the well capitalized band.
Also written as Capital Educators FCU · Trade name filed with the NCUA: CapEd
BankRegReports is independent of Capital Educators Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 1040
- Headquarters
- Meridian, ID
- Established
- 1936
- Total assets, Q2 2026
- $1.35B
- Assets vs Q2 2025
- -10.4%
- Members, Q2 2026
- 99,861
- Net worth ratio, Q2 2026
- 8.41%
- Latest call report
- Q2 2026, NCUA 5300 · Capital Educators Federal Credit Union call report
- Asset rank in state
- 4th of 26 in Idaho
- Routing number
- 324172575
- Branches
- 13
It has 2,365 fewer members than on June 30, 2025 (-2.3%). Its net worth ratio was up 0.84 percentage points from 7.57% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $351.4M of $1.02B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.03% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 8.41% net worth ratio is below that band's 10.89% median.
Frequently asked about Capital Educators Federal Credit Union
How big is Capital Educators Federal Credit Union?
At Q2 2026 it reported total assets of $1.35B and 99,861 members.
Where is Capital Educators Federal Credit Union headquartered?
It is headquartered in Meridian, ID, United States.
When was Capital Educators Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Capital Educators Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1040): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Capital Educators Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Capital Educators Federal Credit Union well capitalized?
Its net worth ratio was 8.41% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Capital Educators Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Capital Educators Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 100.95% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Meridian, ID 83642
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1040
- RSSD ID
- 821979
- Members
- 99,861
- Potential members
- 2,058,954
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 8.41% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.27% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 3.21% | 8.07% | 13th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.42% | 3.45% | 49th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 87.54% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.90% | 1.68% | 32nd below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.03% | 0.68% | 26th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.32% | 5.12% | 65th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 100.95% | 88.03% | 87th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.35B total assets against $1.51B; $1.01B total shares and deposits against $1.14B; $1.02B total loans against $1.19B.
$113.9M net worth against $114.5M.
8.41% net worth ratio against 7.57%.
100.95% loan-to-share ratio against 104.69%.
1.03% delinquency ratio against 1.17%.
0.27% return on assets against 0.02%; 3.21% return on equity against 0.21%.
3.42% net interest margin against 3.04%.
99,861 members against 102,226.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.41% | 0.27% | 1.03% | 100.95% |
| March 31, 2026 | 8.05% | 0.30% | 1.00% | 103.36% |
| December 31, 2025 | 7.83% | -0.10% | 1.26% | 103.20% |
| September 30, 2025 | 7.65% | 0.13% | 1.14% | 105.10% |
| June 30, 2025 | 7.57% | 0.02% | 1.17% | 104.69% |
| March 31, 2025 | 7.28% | 1.24% | 1.19% | 102.80% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.