Miami, Florida · Peer group 6
Educational Credit Union
Educational Credit Union holds $1.80B in assets across 119,576 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1935. Charter number 176, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.80B |
|---|---|
| Total loans | $1.13B |
| Total shares (deposits) | $1.51B |
| Net worth | $279.7M |
| Members | 119,576 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.5% | |
|---|---|---|
| Loans | 17.2% | higher than 97% of its peer group |
| Deposits | 4.0% | around the 46th percentile of its peer group |
| Members | 8.2% | higher than 97% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 74.5% | around the 25th percentile of its peer group |
|---|---|---|
| Net worth ratio | 15.6% | higher than 94% of its peer group |
| Return on assets | 0.88% | around the 65th percentile of its peer group |
| Delinquency ratio | 0.44% | around the 33rd percentile of its peer group |
| Cash / assets | 15.3% | higher than 90% of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Educational Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Florida — the comparison set a peer ratio is measured against.
- Publix Employees Credit Union
LAKELAND, FL
$1.78B · 124,804 members
- Tyndall Credit Union
Panama City, FL
$1.92B · 103,332 members
- Dade County Credit Union
Sweetwater, FL
$1.52B · 110,379 members
- Launch Credit Union
MERRITT ISLAND, FL
$1.46B · 85,017 members
- First Florida Credit Union
Jacksonville, FL
$1.46B · 63,025 members
- Community Credit Union of Florida
Rockledge, FL
$1.45B · 56,055 members
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