Educational Community Credit Union Springfield, Missouri
Educational Community Credit Union is a state-chartered credit union headquartered in Springfield, MO, established in 1938 (NCUA charter 62589), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,436 members and total assets of $77.7M (up 2.2% from Q2 2025), the 35th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 9.82% at Q2 2026, in the well capitalized band.
Also written as Educational Community CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 62589
- Headquarters
- Springfield, MO
- Established
- 1938
- Total assets, Q2 2026
- $77.7M
- Assets vs Q2 2025
- +2.2%
- Members, Q2 2026
- 7,436
- Net worth ratio, Q2 2026
- 9.82%
- Latest call report
- Q2 2026, NCUA 5300 · Educational Community Credit Union call report
- Asset rank in state
- 35th of 85 in Missouri
- Routing number
- 286582834
- Branches
- 2
It has 614 fewer members than on June 30, 2025 (-7.6%). Its net worth ratio was up 0.60 percentage points from 9.22% on June 30, 2025. Used vehicle loans are its largest loan category, $22.3M of $42.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% matches the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.82% net worth ratio is below that band's 14.31% median.
Frequently asked about Educational Community Credit Union
How big is Educational Community Credit Union?
At Q2 2026 it reported total assets of $77.7M and 7,436 members.
Where is Educational Community Credit Union headquartered?
It is headquartered in Springfield, MO, United States.
When was Educational Community Credit Union founded?
It was established in 1938, per NCUA records.
Is Educational Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62589): 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 Educational Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Educational Community Credit Union well capitalized?
Its net worth ratio was 9.82% 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 Educational Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.86% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Educational Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 61.61% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Springfield, MO 65804
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 62589
- RSSD ID
- 721499
- Members
- 7,436
- Potential members
- 30,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.82% | 14.31% | 15th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.68% | 0.72% | 48th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.96% | 4.74% | 64th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.23% | 3.93% | 63rd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 77.71% | 79.83% | 54th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.46% | 0.78% | 70th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.86% | 0.86% | 50th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.69% | 4.70% | 50th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 61.61% | 58.92% | 54th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$77.7M total assets against $76.0M; $69.5M total shares and deposits against $68.1M; $42.8M total loans against $47.0M.
$7.4M net worth against $7.0M.
9.82% net worth ratio against 9.22%.
61.61% loan-to-share ratio against 68.92%.
0.86% delinquency ratio against 0.73%.
0.68% return on assets against 0.69%; 6.96% return on equity against 7.50%.
4.23% net interest margin against 4.23%.
7,436 members against 8,050.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.82% | 0.68% | 0.86% | 61.61% |
| March 31, 2026 | 9.84% | 0.52% | 1.28% | 60.34% |
| December 31, 2025 | 9.85% | 0.35% | 1.47% | 64.90% |
| September 30, 2025 | 9.65% | 1.05% | 0.98% | 67.87% |
| June 30, 2025 | 9.22% | 0.69% | 0.73% | 68.92% |
| March 31, 2025 | 9.32% | 0.53% | 0.85% | 67.31% |
Scroll sideways to see every column.
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.