Credit Union Safety Analysis
Is Capital Educators Federal Credit Union Safe? Meridian, Idaho
Based on its Q2 2026 NCUA 5300 call report, Capital Educators Federal Credit Union has a net worth ratio of 8.41%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.03%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Capital Educators Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Capital Educators Federal Credit Union's net worth ratio is 8.41%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.41%
- Delinquency ratio (60+ days) (Q2 2026): 1.03%
- Return on assets (Q2 2026): 0.27%
- Loan-to-share ratio (Q2 2026): 100.95%
Capital Educators Federal Credit Union (NCUA charter 1040, established 1936) reported $1.35B in assets and 99,861 members for Q2 2026 from Meridian, Idaho. It ranks 4 of 26 credit unions in Idaho by total assets. Total assets fell 10.4% from $1.51B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.05% for Q1 2026; 7.57% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.00% for Q1 2026; 1.17% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.30% for Q1 2026; 0.02% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 103.36% for Q1 2026; 104.69% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $351.4M
- Commercial loans: $303.4M
- Used vehicle loans: $199.1M
- New vehicle loans: $69.2M
- Other secured non-real estate loans and lines of credit: $42.8M
- Other unsecured loans and lines of credit: $40.5M
- Unsecured credit card loans: $14.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.35B | 8.41% | 1.03% | 0.27% | 100.95% |
| March 31, 2026 | $1.40B | 8.05% | 1.00% | 0.30% | 103.36% |
| December 31, 2025 | $1.45B | 7.83% | 1.26% | -0.10% | 103.20% |
| September 30, 2025 | $1.50B | 7.65% | 1.14% | 0.13% | 105.10% |
| June 30, 2025 | $1.51B | 7.57% | 1.17% | 0.02% | 104.69% |
| March 31, 2025 | $1.57B | 7.28% | 1.19% | 1.24% | 102.80% |
Add this badge to your website
Free to use. It shows Capital Educators Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Capital Educators Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 1040) · FFIEC NIC profile (RSSD 821979)
Frequently asked questions
Is Capital Educators Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Capital Educators Federal Credit Union's net worth ratio is 8.41%, above the 7% NCUA threshold for well capitalized.
Is Capital Educators Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Capital Educators Federal Credit Union is a federally insured credit union (NCUA charter 1040): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Capital Educators Federal Credit Union's key safety ratios?
For Q2 2026, Capital Educators Federal Credit Union reports net worth 8.41%, delinquency 1.03%, ROA 0.27%, loan-to-share 100.95%.
What happens to my money if Capital Educators Federal Credit Union fails?
For Q2 2026, Capital Educators Federal Credit Union held $1.01B in shares and deposits for 99,861 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.