TellerScore

Educators Credit Union (NCUA charter #66448) is based in Racine, Wisconsin. Its Q2 2026 call report shows $4.0B in total assets and $3.3B in member shares and deposits and 17 offices.

Based on its Q2 2026 filing, Educators Credit Union scores 81/100, which we describe as strong. That is higher than 89% of 454 credit unions with $1 billion – $10 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 24th. Its strongest component is problem-loan coverage (91/100; 4.7%), and its lowest is loan quality (68/100; 0.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.92%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.97%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity84/100
Loans ÷ shares: 76.6% · 1.3% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.66%

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 (80 → 81).

TellerScore
788285Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202478
Q4 202478
Q1 202582
Q2 202580
Q3 202581
Q4 202581
Q1 202685
Q2 202681
Net worth ratio
7.00%10.53%14.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.19%
Q3 202413.34%
Q4 202413.55%
Q1 202513.57%
Q2 202513.79%
Q3 202514.02%
Q4 202514.06%
Q1 202613.94%
Q2 202613.92%
Delinquent loans (60+ days)
0.66%0.84%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.69%
Q3 20240.78%
Q4 20240.84%
Q1 20250.73%
Q2 20251.02%
Q3 20250.96%
Q4 20250.92%
Q1 20260.66%
Q2 20260.97%
Return on assets
1.10%1.36%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.19%
Q3 20241.17%
Q4 20241.10%
Q1 20251.48%
Q2 20251.46%
Q3 20251.47%
Q4 20251.43%
Q1 20261.62%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$4.0B13.92%0.97%1.39%76.6%
Q1 202685$3.9B13.94%0.66%1.62%75.7%
Q4 202581$3.7B14.06%0.92%1.43%77.9%
Q3 202581$3.7B14.02%0.96%1.47%78.5%
Q2 202580$3.6B13.79%1.02%1.46%77.8%
Q1 202582$3.6B13.57%0.73%1.48%77.0%
Q4 202478$3.4B13.55%0.84%1.10%79.5%
Q3 202478$3.4B13.34%0.78%1.17%78.2%
Q2 202479$3.4B13.19%0.69%1.19%77.9%

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 ratio13.92%
88th
Problem loans0.97%
28th
Net charge-offs0.42%
63rd
Return on assets1.39%
88th
Loans to deposits76.6%
77th
Uninsured deposits1.3%
97th
Loan-loss reserves0.00%
50th
Texas ratio4.7%
51st

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Connexus Credit UnionCredit union Wausau, WI37 out of 100, Low$4.1B7.4%1.89%vs
Covantage Credit UnionCredit union Antigo, WI59 out of 100, Moderate$4.2B9.8%1.28%vs
Fox Communities Credit UnionCredit union Appleton, WI73 out of 100, Strong$3.4B10.9%0.29%vs
Altra Federal Credit UnionCredit union Onalaska, WI78 out of 100, Strong$3.1B12.7%0.46%vs
Capital Credit UnionCredit union Green Bay, WI69 out of 100, Moderate$2.8B12.3%0.90%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs

Deposit insurance

Is my money safe at Educators Credit Union?

Yes. Educators Credit Union is a federally insured credit union (NCUA charter #66448). 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 1.3% of shares and deposits ($44.0M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

17 locations

Branches

Educators Credit Union lists 17 offices in 12 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Educators Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66448
RSSD ID
915298
Primary regulator
State + NCUA
Established
1937
Headquarters
P O Box 081040, Racine, WI 53408
Employees
517

Quick answers

Educators Credit Union: common questions

Is Educators Credit Union NCUA insured?

Yes. Educators Credit Union is a federally insured credit union (NCUA charter #66448). 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 Educators Credit Union's TellerScore?

81 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 Educators Credit Union have?

17 offices as of the latest NCUA data.