TellerScore

Educational Federal Credit Union (NCUA charter #176) is based in Miami, Florida. Its Q2 2026 call report shows $1.8B in total assets and $1.6B in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Educational Federal Credit Union scores 84/100, which we describe as strong. That is higher than 93% of 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 13th. Its strongest component is capital cushion (100/100; 15.45%), and its lowest is earnings (59/100; 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.45%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings59/100
Return on assets (annualized): 0.99%
Funding & liquidity87/100
Loans ÷ shares: 73.0% · 9.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.54%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 84).

TellerScore
808385Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202484
Q3 202482
Q4 202482
Q1 202585
Q2 202584
Q3 202582
Q4 202580
Q1 202685
Q2 202684
Net worth ratio
7.00%11.40%15.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.54%
Q3 202415.75%
Q4 202415.77%
Q1 202515.55%
Q2 202515.54%
Q3 202515.80%
Q4 202515.71%
Q1 202615.57%
Q2 202615.45%
Delinquent loans (60+ days)
0.41%0.57%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.50%
Q4 20240.59%
Q1 20250.41%
Q2 20250.60%
Q3 20250.63%
Q4 20250.74%
Q1 20260.44%
Q2 20260.61%
Return on assets
0.50%0.74%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.50%
Q4 20240.51%
Q1 20250.74%
Q2 20250.80%
Q3 20250.70%
Q4 20250.67%
Q1 20260.88%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$1.8B15.45%0.61%0.99%73.0%
Q1 202685$1.8B15.57%0.44%0.88%74.5%
Q4 202580$1.8B15.71%0.74%0.67%73.9%
Q3 202582$1.7B15.80%0.63%0.70%71.2%
Q2 202584$1.7B15.54%0.60%0.80%67.3%
Q1 202585$1.7B15.55%0.41%0.74%66.1%
Q4 202482$1.7B15.77%0.59%0.51%66.6%
Q3 202482$1.7B15.75%0.50%0.50%65.9%
Q2 202484$1.7B15.54%0.46%0.56%61.9%

454 peers · $1 billion – $10 billion

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).

Capital ratio15.45%
93rd
Problem loans0.61%
57th
Net charge-offs0.49%
53rd
Return on assets0.99%
67th
Loans to deposits73.0%
83rd
Uninsured deposits9.5%
48th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
81st

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Publix Employees Federal Credit UnionCredit union Lakeland, FL74 out of 100, Strong$1.8B11.3%0.48%vs
Tyndall Federal Credit UnionCredit union Panama City, FL89 out of 100, Very strong$1.9B13.6%0.26%vs
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
First Florida Credit UnionCredit union Jacksonville, FL72 out of 100, Strong$1.5B12.9%0.65%vs
Community Credit Union of FloridaCredit union Rockledge, FL70 out of 100, Strong$1.4B11.3%0.22%vs
Launch Credit UnionCredit union Merritt Island, FL54 out of 100, Below average$1.4B9.3%0.95%vs

Deposit insurance

Is my money safe at Educational Federal Credit Union?

Yes. Educational Federal Credit Union is a federally insured credit union (NCUA charter #176). 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 9.5% of shares and deposits ($147.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 15.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Educational Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Educational Federal Credit Union reported 605 home-loan applications under HMDA (LEI 549300GL556PQ7WG0G08): 318 originated ($47,280,000 total), 229 denied, and 54 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Educational Federal Credit Union
Type
Federal credit union
NCUA charter #
176
RSSD ID
80972
Primary regulator
NCUA
Established
1935
Headquarters
7800 Sw 117th Ave, Miami, FL 33183
Employees
332

Quick answers

Educational Federal Credit Union: common questions

Is Educational Federal Credit Union NCUA insured?

Yes. Educational Federal Credit Union is a federally insured credit union (NCUA charter #176). 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 Federal Credit Union's TellerScore?

84 out of 100 (Strong), 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 Federal Credit Union have?

4 offices as of the latest NCUA data.