TellerScore

Educators Credit Union is a federally insured state-chartered credit union headquartered in Waco, Texas, in business for about 88 years. At the end of Q2 2026 it reported $609.5M in total assets and $484.8M in member shares and deposits, with 8 offices.

Educators Credit Union has a TellerScore of 99 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 3rd. Its five components are fairly even, ranging from 94 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.32%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings100/100
Return on assets (annualized): 2.30%
Funding & liquidity100/100
Loans ÷ shares: 28.4% · 7.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.24%

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 (98 → 99).

TellerScore
979899Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202497
Q3 202497
Q4 202497
Q1 202597
Q2 202598
Q3 202599
Q4 202598
Q1 202699
Q2 202699
Net worth ratio
7.00%13.66%20.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.08%
Q3 202418.75%
Q4 202419.11%
Q1 202518.86%
Q2 202519.04%
Q3 202519.48%
Q4 202519.70%
Q1 202619.90%
Q2 202620.32%
Delinquent loans (60+ days)
0.12%0.15%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.16%
Q4 20240.14%
Q1 20250.17%
Q2 20250.13%
Q3 20250.12%
Q4 20250.17%
Q1 20260.17%
Q2 20260.17%
Return on assets
1.77%2.04%2.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.78%
Q3 20241.79%
Q4 20241.81%
Q1 20251.77%
Q2 20251.85%
Q3 20251.95%
Q4 20252.00%
Q1 20262.21%
Q2 20262.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202699$609.5M20.32%0.17%2.30%28.4%
Q1 202699$604.0M19.90%0.17%2.21%29.6%
Q4 202598$593.2M19.70%0.17%2.00%30.9%
Q3 202599$582.8M19.48%0.12%1.95%31.5%
Q2 202598$579.6M19.04%0.13%1.85%31.9%
Q1 202597$570.3M18.86%0.17%1.77%32.6%
Q4 202497$549.3M19.11%0.14%1.81%34.3%
Q3 202497$545.9M18.75%0.16%1.79%35.4%
Q2 202497$552.9M18.08%0.15%1.78%35.5%

1,341 peers · $100 million – $1 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 ratio20.32%
97th
Problem loans0.17%
91st
Net charge-offs0.03%
95th
Return on assets2.30%
99th
Loans to deposits28.4%
99th
Uninsured deposits7.9%
30th
Loan-loss reserves0.00%
50th
Texas ratio0.2%
97th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Union Square Credit UnionCredit union Wichita Falls, TX37 out of 100, Low$601.3M8.4%2.69%vs
City Credit UnionCredit union Dallas, TX73 out of 100, Strong$629.8M12.3%1.23%vs
Openland Credit UnionCredit union League City, TX63 out of 100, Moderate$587.9M11.1%1.09%vs
Education First Federal Credit UnionCredit union Beaumont, TX65 out of 100, Moderate$583.1M9.1%0.62%vs
Soarion Federal Credit UnionCredit union San Antonio, TX55 out of 100, Moderate$555.6M6.8%1.01%vs

Deposit insurance

Is my money safe at Educators Credit Union?

Yes. Educators Credit Union is a federally insured credit union (NCUA charter #67611). 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 7.9% of shares and deposits ($38.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 20.32%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Educators Credit Union lists 8 offices in 5 cities. Most locations:

  • Waco, TX (4)
  • Copperas Cove, TX (1)
  • Gatesville, TX (1)
  • Hewitt, TX (1)
  • Robinson, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Educators Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67611
RSSD ID
906296
Primary regulator
State + NCUA
Established
1938
Headquarters
P O Box 20728, Waco, TX 76702
Employees
50

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 #67611). 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?

99 out of 100 (Very 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?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Waco

InstitutionScoreAssetsCapitalProblem loansCompare
Genco Federal Credit UnionCredit union Waco, TX96 out of 100, Very strong$494.7M14.3%0.19%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs
Pointwest BankBank West, TX90 out of 100, Very strong$137.3M12.5%0.00%vs