Credit Union Safety Analysis
Is Educators Credit Union Safe? Mount Pleasant, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Educators Credit Union has a net worth ratio of 13.92%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.97%, 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, Educators Credit Union's net worth ratio is 13.92%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.92%
- Delinquency ratio (60+ days) (Q2 2026): 0.97%
- Return on assets (Q2 2026): 1.20%
- Loan-to-share ratio (Q2 2026): 76.61%
Educators Credit Union (NCUA charter 66448, established 1937) reported $3.99B in assets and 232,579 members for Q2 2026 from Mount Pleasant, Wisconsin. It ranks 8 of 98 credit unions in Wisconsin by total assets. Total assets grew 9.7% from $3.63B on June 30, 2025. It has 3,579 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was up 0.13 percentage points from 13.79% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.69B of $2.56B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.97% 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: 13.94% for Q1 2026; 13.79% 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: 0.66% for Q1 2026; 1.02% 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: 1.62% for Q1 2026; 1.45% 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: 75.72% for Q1 2026; 77.76% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.69B
- Used vehicle loans: $305.1M
- Commercial loans: $165.6M
- New vehicle loans: $136.2M
- Unsecured credit card loans: $132.8M
- Other unsecured loans and lines of credit: $42.7M
- Non-federally guaranteed student loans: $40.7M
- Other secured non-real estate loans and lines of credit: $14.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.99B | 13.92% | 0.97% | 1.20% | 76.61% |
| March 31, 2026 | $3.89B | 13.94% | 0.66% | 1.62% | 75.72% |
| December 31, 2025 | $3.75B | 14.06% | 0.92% | 1.41% | 77.85% |
| September 30, 2025 | $3.67B | 14.02% | 0.96% | 1.51% | 78.47% |
| June 30, 2025 | $3.63B | 13.79% | 1.02% | 1.45% | 77.76% |
| March 31, 2025 | $3.60B | 13.57% | 0.73% | 1.48% | 77.05% |
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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.
Educators Credit Union profile
Regulator records: NCUA credit union profile (charter 66448) · FFIEC NIC profile (RSSD 915298)
Frequently asked questions
Is Educators Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Educators Credit Union's net worth ratio is 13.92%, above the 7% NCUA threshold for well capitalized.
Is Educators Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Educators Credit Union is a federally insured credit union (NCUA charter 66448): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Educators Credit Union's key safety ratios?
For Q2 2026, Educators Credit Union reports net worth 13.92%, delinquency 0.97%, ROA 1.20%, loan-to-share 76.61%.
What happens to my money if Educators Credit Union fails?
For Q2 2026, Educators Credit Union held $3.34B in shares and deposits for 232,579 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.