Credit Union Safety Analysis
Is Educational Federal Credit Union Safe? Miami, Florida
Based on its Q2 2026 NCUA 5300 call report, Educational Federal Credit Union has a net worth ratio of 15.45%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.61%, 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 Federal Credit Union's net worth ratio is 15.45%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.45%
- Delinquency ratio (60+ days) (Q2 2026): 0.61%
- Return on assets (Q2 2026): 1.12%
- Loan-to-share ratio (Q2 2026): 73.01%
Educational Federal Credit Union (NCUA charter 176, established 1935) reported $1.84B in assets and 122,426 members for Q2 2026 from Miami, Florida. It ranks 17 of 106 credit unions in Florida by total assets. Total assets grew 5.7% from $1.74B on June 30, 2025. 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.
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: 15.57% for Q1 2026; 15.54% 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: 0.44% for Q1 2026; 0.60% 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: 0.88% for Q1 2026; 0.87% 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: 74.48% for Q1 2026; 67.33% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $535.0M
- Used vehicle loans: $315.5M
- New vehicle loans: $124.3M
- Other secured non-real estate loans and lines of credit: $74.1M
- Other unsecured loans and lines of credit: $45.2M
- Unsecured credit card loans: $40.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.84B | 15.45% | 0.61% | 1.12% | 73.01% |
| March 31, 2026 | $1.80B | 15.57% | 0.44% | 0.88% | 74.48% |
| December 31, 2025 | $1.76B | 15.71% | 0.74% | 0.64% | 73.87% |
| September 30, 2025 | $1.73B | 15.80% | 0.63% | 0.48% | 71.19% |
| June 30, 2025 | $1.74B | 15.54% | 0.60% | 0.87% | 67.33% |
| March 31, 2025 | $1.72B | 15.55% | 0.41% | 0.74% | 66.12% |
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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 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 176) · FFIEC NIC profile (RSSD 80972)
Frequently asked questions
Is Educational Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Educational Federal Credit Union's net worth ratio is 15.45%, above the 7% NCUA threshold for well capitalized.
Is Educational Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Educational Federal Credit Union is a federally insured credit union (NCUA charter 176): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Educational Federal Credit Union's key safety ratios?
For Q2 2026, Educational Federal Credit Union reports net worth 15.45%, delinquency 0.61%, ROA 1.12%, loan-to-share 73.01%.
What happens to my money if Educational Federal Credit Union fails?
For Q2 2026, Educational Federal Credit Union held $1.55B in shares and deposits for 122,426 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.