# EDUCATIONAL
MIAMI, FL · NCUA charter 176 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/educational-176

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 119,576 members of 673,000 potential (17.8% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *participation buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.80B |
| Members | 119,576 (8.2% YoY) |
| Full-time staff | 308 |
| Net worth | $279.7M |
| Net worth ratio | 15.6% (p94 of band) |
| ROA (annualized) | 0.88% (p65 of band) |
| Total delinquency | 0.44% (p32 of band) |
| Net charge-offs (annualized) | 0.54% (p54 of band) |
| Loans / shares | 74% (p21 of band) |
| Cash / assets | 15.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.42% (p56 of band) |
| Operating expense / assets | 3.19% (p48 of band) |
| Vehicles % of loans | 40% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 101% (p40 of band) |
| Vehicle delinquency | 0.38% (p24 of band) |
| Vehicle NCO | 0.94% (p48 of band) |
| Repossessed % of vehicle book | 0.04% (p37 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 22% |
| Average share balance | $5,352 |
| Participations bought / yr | $288.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $600.0M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $18,810 |
| Loans granted, annualized | $443.6M |

## Participation posture (from the same filings)

Bought $288.8M and sold $0 in the latest annualized quarter; $600.0M outstanding purchased (214.5% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | 3rd-party paper>100% NW |  |
| 2021-12 | 1 |  | 3rd-party paper>100% NW |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 0 |  | delinquency rising, net worth falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | net worth falling |  |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | net worth falling, 3rd-party paper>100% NW |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Suncoast Credit Union Awards Record $3.75M in Florida Education Funding - FF News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQTTJBX285cnJ5c3BRVEN3NE45SXZCYTJXZnp1Slp4VjF2MUZYek0zbnhERUlOMEtsN0dwa0JvblZ3U0F4Q1VEVkM0R3I2MEt1ZUs2RjdoTDAxc1UzUlV3Um5fZFV4bUJIYjhyTkxJbl9YOExUVTg4Ty1fQ3pabU9GOXdXM1V5SzltRUFaV3ZyU3BfVHIybzA2enU0WEpSX0NfWGdVS0VsY3c1SWFzelZhM2Vscw?oc=5) · FF News
- 2026-07-30 [CAMPUS USA Credit Union surpasses $4 billion in assets - Mainstreet Daily News Gainesville](https://news.google.com/rss/articles/CBMiigFBVV95cUxQa01iOFdoNmQ0dzVZNkZILVVUTGJSalhTNHdGVW12bUVhNG5ha19VZzVlRWQ3Z1VYUDdHcnFoZC1CY0w2aE5BM0R2ZlJYWVhIYU40QldScldIbUdyRk5qZ0RHNEFtLTBGcUQtak1rS2ZEVzZqNHdQNWdWczNvYVlMSTZxNl96Tlpwd1E?oc=5) · Mainstreet Daily News Gainesville
- 2026-08-11 [Credit union brings new display - FOX 13 Tampa Bay](https://news.google.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?oc=5) · FOX 13 Tampa Bay
- 2025-11-04 [Florida High School Athletic Association Announces Partnership with Suncoast Credit Union to Advance Financial Literacy for Student-Athletes - Florida High School Athletic Association](https://news.google.com/rss/articles/CBMilgJBVV95cUxOWThENE90WlotNDBDMW96MkFBdFpaQ0s0ekZnd3VtaUZvTHlZdzZpTlYwaGhtck5TNlhZaXZhaFV2Ym82SjJRSE9uZUk4dXJaSjZiQ0pzVngtTnBlUUI4TTNBNzA5S0dwZG9rRTZJVTRDbmYyaXVqcmE0OEFVLXRIbHFkUjZnWU5nQnJpVmlpZnhrcndXTFVYRmpKVHZtT3RmcG9zOXQ0YVFpNzZESXBnWS1EdjBZTlMwNmhBN2wtS0puVU5hOVcxV2dHTXBNSHowQ3VBM3M5WkNqeXR6dDVJTkh2RmxLRHA4WHhESXpSaUFJdHdUdm5mMVlKQTN1OU8tRDg0YnFZanNVb3hWM0RzVWhDWUZNUQ?oc=5) · Florida High School Athletic Association
- 2025-02-20 [EdFed celebrates 90th anniversary with new mission statement - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxORk15S3I4ZnhPWnBWZDZZbDM5MjdpcnJwYzBTUTFFQW1fSnQxbHc5ZlVGMmpEYlFXa2xZck8xZ0xqbklnN19RN0dwTFBES1pMb1d4QThIS0g2VWdiTEpET1hQNklMRXZKVU9STTVQc1FNS242Tl9yUjYtVE1neWxETkl5NnJXc3JnZlE0dFBLSmJ6Z0FpNXkwNWFDNXE2b0NNR1c4?oc=5) · CUInsight
- 2024-01-22 [Educational Federal Credit Union Launches New Scholarship for Adult Education, Technical, and Vocational Students of Miami-Dade County Public Schools - Miami's Community News](https://news.google.com/rss/articles/CBMipAJBVV95cUxNRzhVcjhZVXhBRFpyMUNZUy1UVU02R1VOQnlWSERoMV9xWVI1OWxtaURNbUNOUXh3VC1XVWE2R0ZJa0NxeUxSVGFEZ1ZrUjZKT09iMzNSVVJTRHZjLW9UQ2h1eWhVZ2VkSmlkS0JQallkTjI0ZWdsS1ZoWFExSk1jTm9lN2pJVHlGOFRCMWhPTDJTNzZEYnd2RVE2aVY1WnJEaW9yLXNsbVNJWXBuN2hQVEdDNUhTT2F0cklmTGphSnhpb2ZmamdTY0RzdmJuU2xudUp6ZjM4OGZEbnJVRGtWMmJjVnh0N0ctZkxSdHdnbnhBZEVEUU8yYkJ1ZXhMc0tiU0lXNFFBTF9yWkpiamkzLUozcEpyNzlzZFlDWnVKbXNzbEtJ?oc=5) · Miami's Community News
- 2021-04-23 [Meet the South Florida Educational Credit Union Endowed Teaching Chair in Honor of Hubert O. Sibley: Dr. Theresa Chormanski - MDC News](https://news.google.com/rss/articles/CBMiUkFVX3lxTFA1MlJqc2Q3bWxYQ3pPUGY2N0tFbFpkWWo4ZHJCV3JGY2xLX1hlVFAtTXo2TDRBZHlzNXNZNUVRVEd3blNldHlWTU5aTTB4SXpsdkE?oc=5) · MDC News
- 2025-07-11 [Bilingual Banking - Florida Trend](https://news.google.com/rss/articles/CBMidkFVX3lxTE41ZEJVYXEzdmdxbG1qdmdzUDQteWZmSDhERE51d1NyYnprbTE2NEYyci1rZXNnTU4xR2EtcEFnOWltY2k4ZGY3TnRZY2dUWUM1ZzNVVk04b3dXQkktcVN0UGpJbXlFOVlXbTZCMU1TZzFYR0NQSmc?oc=5) · Florida Trend

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=176 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/48.json (key "176", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=176
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide