Headquartered in Springfield, Missouri, Educational Community Credit Union is a federally insured state-chartered credit union with $77.7M in total assets and $69.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1938.
Based on its Q2 2026 filing, Educational Community Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 53rd. Its strongest component is funding & liquidity (99/100; 62% loans-to-deposits, 3% uninsured), and its lowest is earnings (43/100; 0.58%).
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 rose 2 points (63 → 65), mostly because the funding & liquidity component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 49 |
| Q4 2024 | 58 |
| Q1 2025 | 62 |
| Q2 2025 | 63 |
| Q3 2025 | 63 |
| Q4 2025 | 59 |
| Q1 2026 | 60 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.82% |
| Q3 2024 | 8.93% |
| Q4 2024 | 9.13% |
| Q1 2025 | 9.32% |
| Q2 2025 | 9.22% |
| Q3 2025 | 9.65% |
| Q4 2025 | 9.85% |
| Q1 2026 | 9.84% |
| Q2 2026 | 9.82% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.83% |
| Q3 2024 | 1.99% |
| Q4 2024 | 1.11% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.47% |
| Q1 2026 | 1.28% |
| Q2 2026 | 0.86% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $77.7M | 9.82% | 0.86% | 0.58% | 61.6% |
| Q1 2026 | 60 | $77.1M | 9.84% | 1.28% | 0.50% | 60.3% |
| Q4 2025 | 59 | $74.8M | 9.85% | 1.47% | 0.65% | 64.9% |
| Q3 2025 | 63 | $74.6M | 9.65% | 0.98% | 0.76% | 67.9% |
| Q2 2025 | 63 | $76.0M | 9.22% | 0.73% | 0.60% | 68.9% |
| Q1 2025 | 62 | $76.3M | 9.32% | 0.85% | 0.51% | 67.3% |
| Q4 2024 | 58 | $75.3M | 9.13% | 1.11% | 0.57% | 71.4% |
| Q3 2024 | 49 | $75.9M | 8.93% | 1.99% | 0.66% | 75.7% |
| Q2 2024 | 50 | $76.8M | 8.82% | 1.83% | 0.70% | 79.4% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Foundation Credit UnionCredit union Springfield, MO | 79 out of 100, Strong | $76.6M | 14.3% | 0.33% | vs |
| Members 1st Credit UnionCredit union Saint Louis, MO | 71 out of 100, Strong | $76.5M | 9.8% | 0.24% | vs |
| Health Care Family Credit UnionCredit union Saint Louis, MO | 62 out of 100, Moderate | $75.2M | 15.8% | 2.42% | vs |
| Volt Credit UnionCredit union Springfield, MO | 56 out of 100, Moderate | $85.8M | 8.4% | 0.14% | vs |
| Goetz Credit UnionCredit union St Joseph, MO | 85 out of 100, Very strong | $89.6M | 15.7% | 0.50% | vs |
| City Credit UnionCredit union Independence, MO | 61 out of 100, Moderate | $65.5M | 11.9% | 1.90% | vs |
Deposit insurance
Is my money safe at Educational Community Credit Union?
Yes. Educational Community Credit Union is a federally insured credit union (NCUA charter #62589). 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 3.3% of shares and deposits ($2.3M) 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 9.82%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Educational Community Credit Union lists 2 offices in 2 cities. Most locations:
- Ozark, MO (1)
- Springfield, MO (1)
Identity & history
Profile
- Legal name
- Educational Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62589
- RSSD ID
- 721499
- Primary regulator
- State + NCUA
- Established
- 1938
- Headquarters
- 1221 E Grand St, Springfield, MO 65804
- Employees
- 20
Quick answers
Educational Community Credit Union: common questions
Is Educational Community Credit Union NCUA insured?
Yes. Educational Community Credit Union is a federally insured credit union (NCUA charter #62589). 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 Educational Community Credit Union's TellerScore?
65 out of 100 (Moderate), 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 Educational Community Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Springfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Wood & Huston BankBank Marshall, MO | 82 out of 100, Strong | $1.2B | 11.6% | 0.14% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| Foundation Credit UnionCredit union Springfield, MO | 79 out of 100, Strong | $76.6M | 14.3% | 0.33% | vs |
| Multi-States Credit UnionCredit union Springfield, MO | 78 out of 100, Strong | $90.9M | 12.5% | 0.36% | vs |
| Telcomm Credit UnionCredit union Springfield, MO | 77 out of 100, Strong | $337.9M | 13.2% | 0.25% | vs |