Credit Union Safety Analysis
Is Educational Employees Credit Union Safe? Fresno, California
Based on its Q2 2026 NCUA 5300 call report, Educational Employees Credit Union has a net worth ratio of 14.58%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Educational Employees Credit Union's net worth ratio is 14.58%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.58%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 1.92%
- Loan-to-share ratio (Q2 2026): 50.16%
Educational Employees Credit Union (NCUA charter 60520, established 1934) reported $5.37B in assets and 400,296 members for Q2 2026 from Fresno, California. It ranks 14 of 238 credit unions in California by total assets. Total assets grew 7.5% from $4.99B on June 30, 2025. It has 13,081 more members than on June 30, 2025 (+3.4%). Its net worth ratio was up 0.69 percentage points from 13.89% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $846.9M of $2.30B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below 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: 14.07% for Q1 2026; 13.89% 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: 0.20% for Q1 2026; 0.26% 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: 1.77% for Q1 2026; 1.84% 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: 49.16% for Q1 2026; 51.29% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $846.9M
- New vehicle loans: $811.5M
- Unsecured credit card loans: $228.8M
- Other unsecured loans and lines of credit: $183.4M
- Used vehicle loans: $183.2M
- Other secured non-real estate loans and lines of credit: $48.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.37B | 14.58% | 0.20% | 1.92% | 50.16% |
| March 31, 2026 | $5.38B | 14.07% | 0.20% | 1.77% | 49.16% |
| December 31, 2025 | $5.26B | 13.95% | 0.23% | 1.63% | 50.60% |
| September 30, 2025 | $5.11B | 14.00% | 0.22% | 1.67% | 51.49% |
| June 30, 2025 | $4.99B | 13.89% | 0.26% | 1.84% | 51.29% |
| March 31, 2025 | $4.93B | 13.60% | 0.20% | 1.75% | 51.40% |
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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.
Educational Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 60520) · FFIEC NIC profile (RSSD 504898)
Frequently asked questions
Is Educational Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Educational Employees Credit Union's net worth ratio is 14.58%, above the 7% NCUA threshold for well capitalized.
Is Educational Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Educational Employees Credit Union is a federally insured credit union (NCUA charter 60520): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Educational Employees Credit Union's key safety ratios?
For Q2 2026, Educational Employees Credit Union reports net worth 14.58%, delinquency 0.20%, ROA 1.92%, loan-to-share 50.16%.
What happens to my money if Educational Employees Credit Union fails?
For Q2 2026, Educational Employees Credit Union held $4.59B in shares and deposits for 400,296 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.