Educators Credit Union
Total assets
$604.0M
▲ +5.9% YoY
Shares & deposits
$483.2M
▲ +4.6% YoY
Loans
$143.1M
▼ -4.9% YoY
Members
27,453
▼ -1.2% YoY
ROA (annualized)
2.21%
peers 0.62%
ROE (annualized)
11.12%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | Educators Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.8% | +1.2 pts |
| Share growth (YoY) | +4.6% | +4.3% | +0.3 pts |
| Loan growth (YoY) | -4.9% | +4.3% | -9.2 pts |
| ROA | 2.21% | 0.62% | +1.6 pts |
| ROE | 11.1% | 5.9% | +5.2 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P O Box 20728, Waco, TX, 76702
- NCUA charter #
- 67611
- RSSD ID
- 906296
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $604.0M | $483.2M | $143.1M | $120.2M | $3.3M | 2.21% | 3.15% | 0.17% | 27,453 |
| Q4 2025 | $593.2M | $475.6M | $147.0M | $116.9M | $11.9M | 2.00% | 2.93% | 0.17% | 27,492 |
| Q3 2025 | $582.8M | $468.4M | $147.5M | $113.5M | $8.5M | 1.95% | 2.92% | 0.12% | 27,490 |
| Q2 2025 | $579.6M | $468.6M | $149.6M | $110.4M | $5.4M | 1.85% | 2.85% | 0.13% | 27,359 |
| Q1 2025 | $570.3M | $462.0M | $150.5M | $107.5M | $2.5M | 1.77% | 2.78% | 0.17% | 27,781 |
| Q4 2024 | $549.3M | $443.6M | $152.1M | $105.0M | $9.9M | 1.81% | 2.82% | 0.14% | 27,791 |
| Q3 2024 | $545.9M | $442.6M | $156.8M | $102.4M | $7.3M | 1.79% | 2.83% | 0.16% | 27,838 |
| Q2 2024 | $552.9M | $452.1M | $160.5M | $100.0M | $4.9M | 1.78% | 2.79% | 0.15% | 27,833 |
Loan mix (Q1 2026): real estate $47.4M · commercial $0 · consumer $87.4M · securities $418.1M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Educators Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 0.62% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.48% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.9% | 78.3% | 0th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Educators Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Educators Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Educators Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Educators Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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