Edu Federal Credit Union is a federal credit union headquartered in New Castle, Delaware, in business for about 73 years. At the end of Q2 2026 it reported $44.2M in total assets and $41.2M in member shares and deposits, with 3 offices across 3 states.
Edu Federal Credit Union has a TellerScore of 34 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 2,479 credit unions with under $100 million in assets. Among 15 credit unions headquartered in Delaware, it ranks 15th. Funding & liquidity contributes the most (100/100, 51% loans-to-deposits, 0% uninsured); loan quality contributes the least (14/100, 2.57%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 18 points (52 → 34), mostly because the loan quality component weakened by 49 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 35 |
| Q3 2024 | 43 |
| Q4 2024 | 43 |
| Q1 2025 | 52 |
| Q2 2025 | 52 |
| Q3 2025 | 52 |
| Q4 2025 | 38 |
| Q1 2026 | 36 |
| Q2 2026 | 34 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 6.07% |
| Q3 2024 | 6.15% |
| Q4 2024 | 6.34% |
| Q1 2025 | 6.31% |
| Q2 2025 | 6.42% |
| Q3 2025 | 6.83% |
| Q4 2025 | 6.99% |
| Q1 2026 | 6.85% |
| Q2 2026 | 6.81% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.04% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.17% |
| Q1 2025 | 0.87% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.26% |
| Q4 2025 | 2.72% |
| Q1 2026 | 2.44% |
| Q2 2026 | 2.57% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.27% |
| Q3 2024 | -0.59% |
| Q4 2024 | -0.42% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.55% |
| Q4 2025 | 0.56% |
| Q1 2026 | -0.03% |
| Q2 2026 | -0.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 34 | $44.2M | 6.81% | 2.57% | -0.05% | 51.1% |
| Q1 2026 | 36 | $44.1M | 6.85% | 2.44% | -0.03% | 49.9% |
| Q4 2025 | 38 | $43.7M | 6.99% | 2.72% | 0.56% | 52.6% |
| Q3 2025 | 52 | $43.8M | 6.83% | 1.26% | 0.55% | 52.5% |
| Q2 2025 | 52 | $45.9M | 6.42% | 1.11% | 0.58% | 50.7% |
| Q1 2025 | 52 | $45.0M | 6.31% | 0.87% | 0.27% | 49.4% |
| Q4 2024 | 43 | $44.3M | 6.34% | 1.17% | -0.42% | 49.8% |
| Q3 2024 | 43 | $45.4M | 6.15% | 1.12% | -0.59% | 48.1% |
| Q2 2024 | 35 | $48.3M | 6.07% | 2.04% | -0.27% | 44.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Delaware
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| New Castle County Delaware Em Federal Credit UnionCredit union New Castle, DE | 86 out of 100, Very strong | $33.3M | 12.0% | 0.00% | vs |
| Priority Plus Federal Credit UnionCredit union Wilmington, DE | 74 out of 100, Strong | $23.3M | 17.6% | 1.10% | vs |
| American Spirit Federal Credit UnionCredit union Newark, DE | 53 out of 100, Below average | $67.6M | 19.1% | 5.44% | vs |
| Wilmington Police & Fire Federal Credit UnionCredit union Wilmington, DE | 59 out of 100, Moderate | $14.3M | 14.7% | 2.45% | vs |
| Provident Federal Credit UnionCredit union Dover, DE | 64 out of 100, Moderate | $11.9M | 14.1% | 1.75% | vs |
| Stepping Stones Community Federal Credit UnionCredit union Wilmington, DE | 74 out of 100, Strong | $8.3M | 47.0% | 10.61% | vs |
Deposit insurance
Is my money safe at Edu Federal Credit Union?
Yes. Edu Federal Credit Union is a federally insured credit union (NCUA charter #8609). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.5% of shares and deposits ($203K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 6.81%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Edu Federal Credit Union lists 3 offices in 3 cities across 3 states. Most locations:
- Elkton, MD (1)
- Historic New Castle, DE (1)
- Memphis, TN (1)
Identity & history
Profile
- Legal name
- Edu Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8609
- RSSD ID
- 352389
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- P.O. Box 232, New Castle, DE 19720
- Employees
- 9
Quick answers
Edu Federal Credit Union: common questions
Is Edu Federal Credit Union NCUA insured?
Yes. Edu Federal Credit Union is a federally insured credit union (NCUA charter #8609). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Edu Federal Credit Union's TellerScore?
34 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Edu Federal Credit Union have?
3 offices as of the latest NCUA data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near New Castle
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE | 94 out of 100, Very strong | $57.2M | 97.8% | 0.00% | vs |
| Deutsche Bank Trust Company DelawareBank Newark, DE | 93 out of 100, Very strong | $141.4M | 93.2% | 0.00% | vs |
| Applied BankBank Wilmington, DE | 93 out of 100, Very strong | $274.1M | 17.5% | 0.00% | vs |
| United Savings BankBank Philadelphia, PA | 89 out of 100, Very strong | $460.6M | 17.4% | 0.00% | vs |
| New Castle County Delaware Em Federal Credit UnionCredit union New Castle, DE | 86 out of 100, Very strong | $33.3M | 12.0% | 0.00% | vs |
| Delaware River & Bay Auth Emp Federal Credit UnionCredit union New Castle, DE | 86 out of 100, Very strong | $4.1M | 25.8% | 0.82% | vs |