Educational Federal Credit Union Miami, Florida
Educational Federal Credit Union is a federal credit union headquartered in Miami, FL, established in 1935 (NCUA charter 176), and it is regulated and insured by the NCUA. At Q2 2026 it reported 122,426 members and total assets of $1.84B (up 5.7% from Q2 2025), the 17th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 15.45% at Q2 2026, in the well capitalized band.
Also written as Educational FCU · Trade name filed with the NCUA: EdFed
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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
- 176
- Headquarters
- Miami, FL
- Established
- 1935
- Total assets, Q2 2026
- $1.84B
- Assets vs Q2 2025
- +5.7%
- Members, Q2 2026
- 122,426
- Net worth ratio, Q2 2026
- 15.45%
- Latest call report
- Q2 2026, NCUA 5300 · Educational Federal Credit Union call report
- Asset rank in state
- 17th of 106 in Florida
- Routing number
- 267077821
- Branches
- 10
It has 7,517 more members than on June 30, 2025 (+6.5%). Its net worth ratio was down 0.09 percentage points from 15.54% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $535.0M of $1.13B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.61% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 15.45% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Florida
Credit unions merged into Educational Federal Credit Union
Frequently asked about Educational Federal Credit Union
How big is Educational Federal Credit Union?
At Q2 2026 it reported total assets of $1.84B and 122,426 members.
Where is Educational Federal Credit Union headquartered?
It is headquartered in Miami, FL, United States.
When was Educational Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Educational Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 176): 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 Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Educational Federal Credit Union well capitalized?
Its net worth ratio was 15.45% 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 Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.61% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Educational Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 73.01% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Miami, FL 33183
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 176
- RSSD ID
- 80972
- Members
- 122,426
- Potential members
- 673,000
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 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 15.45% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.12% | 0.89% | 66th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 7.24% | 8.07% | 42nd below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.62% | 3.45% | 62nd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 71.27% | 70.59% | 47th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.87% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.61% | 0.68% | 58th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.49% | 5.12% | 15th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 73.01% | 88.03% | 20th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.84B total assets against $1.74B; $1.55B total shares and deposits against $1.48B; $1.13B total loans against $993.4M.
$284.9M net worth against $271.0M.
15.45% net worth ratio against 15.54%.
73.01% loan-to-share ratio against 67.33%.
0.61% delinquency ratio against 0.60%.
1.12% return on assets against 0.87%; 7.24% return on equity against 5.61%.
3.62% net interest margin against 3.29%.
122,426 members against 114,909.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.45% | 1.12% | 0.61% | 73.01% |
| March 31, 2026 | 15.57% | 0.88% | 0.44% | 74.48% |
| December 31, 2025 | 15.71% | 0.64% | 0.74% | 73.87% |
| September 30, 2025 | 15.80% | 0.48% | 0.63% | 71.19% |
| June 30, 2025 | 15.54% | 0.87% | 0.60% | 67.33% |
| March 31, 2025 | 15.55% | 0.74% | 0.41% | 66.12% |
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.