Credit Union Safety Analysis
Is Educators Credit Union Safe? Waco, Texas
Based on its Q2 2026 NCUA 5300 call report, Educators Credit Union has a net worth ratio of 20.32%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.17%, 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 20.32%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.32%
- Delinquency ratio (60+ days) (Q2 2026): 0.17%
- Return on assets (Q2 2026): 2.41%
- Loan-to-share ratio (Q2 2026): 28.41%
Educators Credit Union (NCUA charter 67611, established 1938) reported $609.5M in assets and 27,329 members for Q2 2026 from Waco, Texas. It ranks 54 of 377 credit unions in Texas by total assets. Total assets grew 5.2% from $579.6M on June 30, 2025. It has 30 fewer members than on June 30, 2025 (-0.1%). Its net worth ratio was up 1.28 percentage points from 19.04% on June 30, 2025. Used vehicle loans are its largest loan category, $56.3M of $137.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.17% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 19.90% for Q1 2026; 19.04% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.17% for Q1 2026; 0.13% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 2.21% for Q1 2026; 1.95% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 29.62% for Q1 2026; 31.92% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $56.3M
- 1- to 4-family residential and other consumer real estate loans: $48.7M
- New vehicle loans: $23.9M
- Other secured non-real estate loans and lines of credit: $6.3M
- Other unsecured loans and lines of credit: $1.6M
- Unsecured credit card loans: $909K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $609.5M | 20.32% | 0.17% | 2.41% | 28.41% |
| March 31, 2026 | $604.0M | 19.90% | 0.17% | 2.21% | 29.62% |
| December 31, 2025 | $593.2M | 19.70% | 0.17% | 2.25% | 30.91% |
| September 30, 2025 | $582.8M | 19.48% | 0.12% | 2.18% | 31.49% |
| June 30, 2025 | $579.6M | 19.04% | 0.13% | 1.95% | 31.92% |
| March 31, 2025 | $570.3M | 18.86% | 0.17% | 1.77% | 32.57% |
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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 67611) · FFIEC NIC profile (RSSD 906296)
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 20.32%, 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 67611): 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 20.32%, delinquency 0.17%, ROA 2.41%, loan-to-share 28.41%.
What happens to my money if Educators Credit Union fails?
For Q2 2026, Educators Credit Union held $484.8M in shares and deposits for 27,329 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.